| 12/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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a TRUST was formed between this CEO and SANTANDER CONSUMER USA with the creation of ACCOUNT # XXXX, whereby SANTANDER CONSUMER USA in receiving such did become TRUSTEE regarding said TRUST whereby this CEO did become the natural beneficiary.
As TRUSTEE, SANTANDER CONSUMER USA did NEGLECT to REGISTER as a SECURITY the SOCIAL SECURITY CESTUI QUE TRUST XXXX XXXX XXXX XXXX instrument once such was provided by this CEO to initiate that TRUST ACTION that did create SANTANDER CONSUMER USA ACCOUNT # XXXX.
XXXX This CEO did facilitate a further undisclosed CREDIT SALE pursuant to 15 USC 1601 ( h ) that was not given consideration that the DEBT associated with the XXXX XXXX XXXX XXXX with XXXX : XXXX that the ACCOUNT # XXXX did provide would be satisfied due to the NEGLIGENCE of SANTANDER CONSUMER USA to provide this information thereby making SANTANDER CONSUMER USA CRIMINALLY LIABLE under 15 USC 1611 and which violation does carry a {$5000.00} fine.
pursuant to 15 U.S. Code 1681 ( o ) SANTANDER CONSUMER USA does owe this CEO {$1000.00} for emotional suffering, {$4000.00} for undue financial stress suffered by my family, {$1000.00} for the resulting divorce that did occur and an added {$1000.00} for the mental stress that this CEO did endure from SANTANDER CONSUMER USAs NEGLIGENT NONCOMPLIANCE pursuant to 15 U.S. Code 1681o ( a ) ( 1 ). In addition, as SANTANDER CONSUMER USA in their NEGLIGENT NONCOMPLIANCE did facilitate an UNAUTHORIZED USE of said SECURITY pursuant to 15 U.S. Code 1602 ( p ) whereby added damages of {$3000.00} regarding this CEO may be addressed.
In Article I Section 8 [ 3 ] of the Constitution, beginning with [ 1 ] it states, The Congress shall have Power... To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes. The Law, whatever that is, of the federal corporation uses commerce as its vehicle of jurisdiction. The enabling clause is that the person, whatever is meant by person, has engaged in interstate or foreign commerce. Commerce, as defined in Blacks Law Dictionary, Seventh Edition is the exchange of goods and services, esp. on a large scale involving transportation between cities, states, and nations. Statutory definitions include, Trade and other business activities between those located in different states ; esp., traffic in goods and travel of people between states. Notice is taken that statutorily We the People have been written in as commerce. The commerce clause was intended for fair trade not for tyrannical power to assume jurisdiction over the People.
The Constitution does not reference We the People as being products of commerce, however, the statutory definition has taken the right of locomotion and movement guaranteed to the People, see Blacks Law Dictionary, Fifth Edition under liberty, and nefariously turned this into a licensed privilege under commerce to trap the People as commodities under the commerce clause. Nowhere in the Constitution are People listed as the subjects of the commerce clause. The Constitution clearly states, To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes. Thus, the Accused is assuming jurisdiction over the People unlawfully. The officers and agents of the federal corporation have made the People into goods and property using the XIVth Amendment as their vehicle and, therefore, group the People into a commerce jurisdiction in order to usurp jurisdiction where jurisdiction does not exist. The Accused assumes silent judicial notice of jurisdiction through this unlawful means.
11 SANTANDER CONSUMER USA did present DECEPTIVE FORMS to this CEO in violation of 15 USC 1692J ( {$1000.00} PER FDCPA ) designed to create that TRUST ACTION forming ACCOUNT # XXXX, that were unlawfully designed, compiled, and furnished by SANTANDER CONSUMER USA with the knowledge that said form would create the false belief in this CEO that SANTANDER CONSUMER USA is the CREDITOR with a right to collect a DEBT of no less than {$12000.00} from this CEO as BORROWER/DEBTOR, when in fact, according to CONGRESS, the term CREDITOR pursuant 15 U.S. Code 1602 ( i ) means a consumer in reference to a credit transaction whom credit is extended from as a natural person and the subject of the consumer credit transaction is primarily for personal, family, or household purposes, which means SANTANDER CONSUMER USA by deeming itself a CREDITOR that approved a LOAN to this CEO as the DEBTOR/BORROWER is a VIOLATION of the TRUTH in LENDING ACT that has damaged this CEO and his family of three, all of which to fall under the definition of CONSUMER ( {$16000.00} ).
Whereas CREDIT as CONGRESS defines in 15 U.S. Code 1602 ( g ) means the right granted to this CEO as the original creditor to defer payment, and whereas the UNITED STATES bears said OBLIGATION of PAYMENT pursuant to PUBLIC LAW 73-10 and 18 USC 8 , the DEBT as assessed by SANTANDER CONSUMER USA in regards to that repossessed XXXX XXXX XXXX XXXX with XXXX : XXXX as acquired by this CEO and beneficiary of the associated TRUST ACTION as created pursuant to the creation of ACCOUNT # XXXX was NOT satisfied by this CREDITOR and CEO despite this CREDITORS RIGHT to incur the payment from the US TREASURY to defer that necessary payment to facilitate the DEBT as assessed by SANTANDER CONSUMER USA due to the DECEPTIVE FORMS presented by SANTANDER CONSUMER USA as defined by 15 USC 1692J to be used by this CREDITOR and CEO to create ACCOUNT # XXXX, thus SANTANDER CONSUMER USA is liable for the fraudulently authorized use of this CEOS CREDIT CARD which includes although be not limited to this CEOS SOCIAL SECURITY CESTUI QUE TRUST FLOYD GILLIAM BANKSTM AND S.S. CARD XXXX that SANTANDER CONSUMER USA obtain money, goods or services whereby the ADDRESSEES shall be fined for {$10000.00} or imprisoned for 10 years or both pursuant to15 U.S.Code 1644 ( a ).
The right of CREDIT granted to defer payment is a direct reference of the all OBLIGATIONS of PAYMENT belonging exclusively to the UNITED STATES pursuant to PUBLIC LAW 73-10 and 18 USC 8 whereas the OBLIGATIONS of PAYMENT belong not to this CREDITOR and CEO to whom such right was granted. Whereas said contract as received by this CEO from SANTANDER CONSUMER USA to facilitate ACCOUNT # XXXX was in truth an UNSOLICITED ADVERTISEMENT as described in 48 U.S.C 227 ( a ) ( 5 ) by SANTANDER CONSUMER USA that SANTANDER CONSUMER USA through both the FRAUD 12 OF EXECUTION and the FRAUD OF INDUCEMENT brought forth by SANTANDER CONSUMER USA as the true BORROWER or SOLICITOR in the contract might take advantage of the CEOS UNREGISTERED SECURITY as previously mentioned by SANTANDER CONSUMER USA taking advantage of an UNDISCLOSED TRIP to the UNITED STATES TREASURY window on behalf of this CEO to receive funds unbeknownst to this CEO at the time of the TRUST ACTION that created ACCOUNT # XXXX based on SANTANDER CONSUMER USAS WILLFUL NEGLECT to provide such information which is required to have been disclosed as is the FIDUCIARY DUTY of SANTANDER CONSUMER USA as the TRUSTEE participants in said TRUST ACTION.
In bad faith, SANTANDER CONSUMER USA did choose to provide information that SANTANDER CONSUMER USA should have known to be false concerning the true and undisclosed DEBTOR/CREDITOR relationship it shares with this CEO and beneficiary, as a result, the addressees on behalf of SANTANDER CONSUMER USA will be held criminally liable pursuant to 15 U.S. Code 1611 with fines up to {$5000.00}, one year imprisonment or both should this CEOS written commercial presentment be dishonored.
Benefits entitled to this CEO were willfully withheld by SANTANDER CONSUMER USA to defraud this CEO through extortion, securities fraud, tax fraud, embezzlement, theft of trust assets, larceny and identity fraud with CRIMINAL LIABILITY as mentioned in TITLE 15 U.S.CODE 1611.
Notice, it is a fact, affiant is aware, upon discovery, the contracts heretofore referenced that did facilitate the creation of ACCOUNT # XXXX were one sided agreements of which this CEO was never disclosed regarding the second signature by an authorized party, head of agency or registered agent by SANTANDER CONSUMER USA. The appropriate " meeting of the minds '' has never occurred in connection with this contract. Being the only party to sign this contract without full willful disclosure this CEO does invoke and reserve my right to revoke the arbitration clause in connection with this contract and for any transfer, trade, hypothecation, whether voluntary or involuntary involving any and every instrument which may have occurred unbeknownst to this CEO ; Nunc pro tunc pursuant to 15 U.S. Code 1635.
It is a fact that there have been statements which have not matched the CEOS records and statements and have not been in accordance with the disclosures from SANTANDER CONSUMER USA as relayed with the creation of ACCOUNT # XXXX by this CEO at the consummation of the transaction. CEO does give formal notice of this billing error until CEO does receive all documentary evidence. Until this documentary evidence has been received from SANTANDER 13 CONSUMER USA, ADDRESSEES will be held in violation regarding this billing error pursuant to 15 U.S.Code 1666b.
SANTANDER CONSUMER USA did use STUDIED CONCEALMENT of SANTANDER CONSUMER USAs OBLIGATIONS to this beneficiary for SANTANDER CONSUMER USAs use of this beneficiarys granted CREDIT as extended from this CEO pursuant to PUBLIC LAW 73-10, SANTANDER CONSUMER USA does not have right to oppress or abuse any part of this CEOS character which would restrict or prohibit this CEOS right to extend credit and should have applied the credit to service the debt as required by law, and must be held liable for all resulting damages.
CEO is aware that the line of credit issued by the FFEDERAL RESERVE SYSTEM has been assumed the OBLIGATION of the UNITED STATES INC. regarding PAYMENT associated therewith to create this bond is secured by the CEO, the CEO being one of the lenders thus having the bonded pledge series number XXXX which is from that SOCIAL SECURITY CESTUI QUE XXXX XXXX XXXX XXXX TM albeit without the consideration of this CEO or without full disclosure being given by the UNITED STATES or the SANTANDER CONSUMER USA. Whereas assets of this CEO have been pledged for said bond without said bond being registered as coming from or on behalf of this CEO to facilitate the payment of that DEBT as assessed by SANTANDER CONSUMER USA to lower the PUBLIC DEBT and accurately create the related TAXABLE EVENT, this CEO can find no place whereby it is lawful for a TRUSTEE to charge the beneficiary interest on the XXXX own credit to create an UNJUST double enrichment and SELFISH AGGRANDIZEMENT on behalf of SANTANDER CONSUMER USA as well as to further their benefit from repossession of the beneficiarys property.
CEO is aware that this repossession or even the threat thereof is a violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any DEBT. This is a right secured to this CEO by this code herein and the 4th amendment of the U.S Constitution.SANTANDER CONSUMER USA has oppressed my right to extend credit which is a violation of 15 U.S.Code 1692d, therefore, this CEO does legally refuse to pay this debt. CEO is demanding a cease and desist of all illegal activity, any communication and collection activity, including reporting which constitutes collection activity, of this and any alleged debts until SANTANDER CONSUMER USA can provide me with the requested rebuttal of information pertaining to are counterclaim as written in the affidavit herein.
CEO does invoke CEOS right of rescission in accordance with 15 U.S.Code 1635 and UCC 3-306 to rescind any power of attorney which may have been used by SANTANDER CONSUMER USA in connection with this transaction which includes but is not limited to any derivative, hypothecation, trade, transfers of possession, whether voluntary or involuntary involving any and/or every instrument which may 14 have occurred unbeknownst to this CEO as beneficiary and creditor in BREACH of the FIDUCIARY DUTIES of SANTANDER CONSUMER USA as this CEO was not given full disclosure of any such power of attorney until discovery of its potential existence and demand a full revocation of such document ( s ) ; nunc pro tunc.
15 USC 1640 ( a ) - For each violation of TILA is double the finance charge when it comes to consumer credit transactions. This doesn't mean if you find multiple TILA violations there is only double the finance charge one time. Each violation is double the finance charge. In a lease each violation is 2000 dollars. If there is no security interest its 5000 per violation or higher depending on a pattern of failures aka R.I.C.O. charges.
Notice, it is a fact, in accordance with 15 U.S.Code 1692c ( d ), this CEO, is invoking CEOS administrator and executor status over this matter and is of the age of majority. It is also a fact that SANTANDER CONSUMER USA as a corporation is always considered a minor having no legal standing or jurisdiction, and in accordance with 15 U.S.Code 1692h this CEO gives written instruction and direction for SANTANDER CONSUMER USA pursuant to their breach of obligation concerning this beneficiary, to redirect all prior payments, and all current payments to me plus damages to rectify the matters herein.
Beneficiarys request for ADMISSIONS or denials from the ADDRESSEE/ TRUSTEES hereby accused of frauds and swindles of the beneficiary Duly sworn, this beneficiary does aver and declare the following and does require either acceptance or denial as to the validity of the facts to be presented herein from the addressee trustees, It is a fact that CEO, is beyond the legal age of majority, of sound mind and competent to testify as a minister in any court and competent to enforce any liability therewith pursuant to TITLE 15 USC 1692K so be it, and ; It is a fact that CEO is religious property of XXXX XXXX pursuant to 18 USC 247 as XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, XXXX is the Owner of Mankind and reserves and claims ALL of the CEOs unalienable ( XXXX ) given Rights, as mentioned in the BILL OF RIGHTS of the original and organic 1787 constitution for the united states of America and is NOT to be compelled to accept ANY unrevealed benefit, contract or commercial agreement, nor is your affiant to be assumed subject to ANY unrevealed presumption or silent judicial notice. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary.
15 CEO is a Servant of the XXXX and Sovereign non-Citizen subject of the XXXX XXXX born to the lands and people descending from the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX Illinois Republic XXXX
CEO hath claimed all rights to the Divine Jurisdiction of Islamic Governance as secured by affiants paleo-American, pre-Columbian, Autochthonous, Indigenous and Moorish ancestors as both enumerated and protected by the XXXX XXXX and the XXXX836 Treaty of Amity and Commerce between the UNITED STATES and XXXX XXXX XXXX aka the Empire of XXXX in XXXX XXXX XXXX RECORD XXXX XXXX XXXX and UNIFORM COMMERCIAL CODE FILE # XXXX.
All claims of the XXXX XXXX AKA XXXX OF XXXX as the rightful owners of the North, Central and South American landmass is documented in the XXXX XXXX of The XXXX XXXX XXXX XXXX XXXX XXXX, recorded as a Legal Deed and Trust Document in the LIBRARY OF XXXX under XXXX XXXX No. XXXX, Control ( Catalogue ) Number XXXX ( U ), the XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX No. COP XXXX ; XXXX XXXX. XXXX XXXX, and Catalogued in The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Call # XXXX XXXX ) : and is duly recognized by the said FEDERAL corporate UNITED STATES government as defined in 28 USC 3002 ( 15 ) ( a ).
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : Being a descendant from these Autochthonous an Aboriginal people of the Americas, CEO does not fall within the boundaries of UNITED CORPORATE, STATE or FEDERAL jurisdiction, and therefore exists outside of any UNITED STATES PROPERTY [ TITLE 18 USC 3077 ].
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that any destruction of BENEFICIARYs rights to the free exercise of the religious beliefs, religious practices, rights to be secure in his property, person or papers, or right to contract, is a violation of 15 USC 1692n and SANTANDER CONSUMER USA can be held liable for the destruction of religious property pursuant to 18 USC 247. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide 16 their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, is a Servant of XXXX, beneficiary, grantee and only real party of interest concerning that STATE OF ILLINOIS ISSUED, ENS LEGIS FICTION, CUSTOMER NAMED SECURITY, BEARER BOND and SOCIAL SECURITY CESTUI QUE TRUST titled XXXX XXXX XXXX TM SS # XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, is in no way a willing participant in transactions of TRADE OR BUSINESS [ TITLE XXXX XXXX XXXX ( a ) ( XXXX ) ] that he or his property XXXX be regulated by FEDERAL TRADE AGREEMENTS [ TITLE XXXX XXXX XXXX ] enforceable by any corporation. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that the CEO was given no disclosure of the terms and conditions of UNITED STATES CITIZENSHIP nor was XXXX XXXX XXXX XXXX XXXX XXXX BANKSTM WORK FILE NUMBER XXXX given a clear offer or consideration to CONTRACT with the XXXX XXXX DISTRICT OF COLUMBIA XXXX a XXXX XXXX XXXX XXXX and XXXX this CEO is not OBLIGATED to PERFORMANCE based on any compelled DEBT OBLIGATION to the XXXX XXXX doing business as the UNITED STATES as a TITLE XXXX XXXX XXXX ( XXXX ) ( A ) CORPORATION and is not a UNITED STATES CITIZEN. Any assumption and/or presumption that XXXX XXXX XXXX XXXX XXXX XXXX BANKSTM WORK FILE NUMBER XXXX is a TITLE XXXX XXXX XXXX FEDERAL EMPLOYEE with a XXXX OBLIGATION to the UNITED STATES is FALSE, MISLEADING and XXXX ABNITIO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, XXXX the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO, was not a party to the contract whereby the STATE OF ILLINOIS ISSUED, XXXX XXXX FICTION, CUSTOMER NAMED SECURITY, XXXX XXXX and SOCIAL SECURITY CESTUI QUE TRUST titled XXXX XXXX XXXX TM SS # XXXX was created as it was done when the CEO was an infant. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that as property of the Most High XXXX, XXXX is a non-tax obligated human being exempt from XXXX XXXX which XXXX defines as commerce between XXXX State, Territory, Possession, or the District of Columbia and another XXXX, Territory, Possession, or the District of Columbia, all of which represent commercial property and/ or property rights being transferred between man- made, corporate jurisdictions. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that CEO did become beneficiary to a trust action with the surrendering of his security and bearer bond information to SANTANDER CONSUMER USA XXXX SANTANDER CONSUMER USA did assume the role of fiduciary trustee bound by laws of trust regarding the same whether this fact was written, expressed, implied, or not. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : XXXX It is a fact that, in VIOLATION of PUBLIC LAW XXXX and in VIOLATION of TITLE XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX AND CONSPIRE to DESTROY the unalienable natural and religious rights of this CEO to be secure in said CEOS papers and property through SANTANDER CONSUMER USA XXXX XXXX XXXX OF TRUST, BREACH OF FIDUCIARY DUTY and through a SCHEME OR ARTIFICE TO DEFRAUD, the CEO ( TITLE XXXX XXXX XXXX XXXX whereby the OBLIGATION of SANTANDER CONSUMER USA XXXX XXXX OFFSET and DISCHARGE all DEBT OBLIGATIONS as a CORPORATION acting for the UNITED STATES XXXX XXXX AUTHORIZATION and CONSENT of the UNITED STATES XXXX XXXX TITLE XXXX XXXX XXXX XXXX WILLFULLY and NEGLECTFULLY withheld from the CEO although SANTANDER CONSUMER USA XXXX XXXX XXXX and adhere to all UNITED STATES XXXX XXXX which includes without being limited to PUBLIC LAW XXXX and all OBLIGATIONS of the UNITED STATES XXXX pursuant XXXX XXXX XXXX BANKING ACT of XXXX, which is still in effect, so be it. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of FEDERAL LAW per their obligation to this beneficiary as CEO.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA ADDRESSEES are CRIMINALLY LIABLE under XXXX XXXX XXXX for any and all COMMERCIAL DAMAGE inflicted upon the CEO as a result of SANTANDER CONSUMER USA COMPANYS UNAUTHORIZED USE of the CEOS SOCIAL SECURITY CESTUI QUE TRUST XXXX XXXX XXXX XXXX whereby CREDIT was extended to SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX returned to the CEO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that this CEO is aware of and knows that the XXXX BANKRUPTCY is verified in XXXX REPORT NO. XXXX XXXX. XXXX, XXXX SESSION ( XXXX ), SUMMARY OF EMERGENCY POWER STATUTES, XXXX ORDERS XXXX, XXXX, XXXX, and by XXXX ORDER XXXX on XX/XX/XXXX, and as further codified at XXXX U.S.C.A. XXXX ( a ) and ( b ) as AMENDED. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, XXXX the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, pursuant to the EMERGENCY BANKING ACT of XXXX and its ABROGATION OF THE GOLD CLAUSE, the BENEFICIARY has been deemed by XXXX as being unable to pay DEBT and thus per PUBLIC LAW XXXX to demand payment is against PUBLIC POLICY. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, TITLE XXXX XXXX XXXX of the UNITED STATES XXXX records the STATUTORY PLEDGE of the UNITED STATES XXXX XXXX to fulfill the PAYMENT of all OBLIGATIONS and INTEREST on the PUBLIC DEBT, so be it, As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact, that SANTANDER CONSUMER USA XXXX is a DEBT COLLECTOR as defined by XXXX XXXX XXXX ( XXXX ). As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA is a CORPORATION acting for the UNITED STATES and with the AUTHORIZATION and CONSENT of the UNITED STATES pursuant to TITLE XXXX XXXX XXXX and thus ADDRESSEES are responsible for the XXXX XXXX SANTANDER CONSUMER USA and PROCEDURES and their conformity to UNITED STATES PUBLIC POLICY. Do the ADDRESSEES affirm or DENY this fact? As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are XXXX required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that the SOCIAL SECURITY NUMBER represents an an open end credit plan pursuant to XXXX XXXX XXXX and a credit card according through the TRUTH IN LENDING ACT therefore your affiant should have not been labeled a borrower on the contract provided by SANTANDER BANK nor should have FEDERAL RESERVE NOTES been demanded of this affiant as this is a violation of XXXX XXXX XXXX which are the Obligations of the UNITED STATES pursuant to XXXX XXXX XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, the TRUTH IN LENDING ACT defines CREDIT as the right granted by a CREDITOR to a DEBTOR pursuant to TITLE XXXX XXXX XXXX XXXX and the right of CEO regarding the right to that unencumbered use of said right has been infringed upon by SANTANDER CONSUMER USA XXXX AGENTS who did WILLFULLY NEGLECT to disclose their intended use of said right for their own UNJUST ENRICHMENT within the forms that they did furnish to create SANTANDER CONSUMER USA ACCOUNT # XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, in violation of Article XXXX Section XXXX Clause XXXX, in violation of Article XXXX section XXXX Clause XXXX and in violation of Article XXXX section XXXX clause XXXX as written in the constitution for the united states of America as amended prior to the XXXX dissolution of the XXXX XXXX, SANTANDER CONSUMER USA in VIOLATION of UNITED STATES XXXX XXXX did design, compile, and furnish a DECEPTIVE FORM knowing that such form would be used to create false belief in this beneficiary that a person other than the creditor of such beneficiary is participating in the collection of or in an attempt to collect a debt whereas SANTANDER CONSUMER USA was not the CREDIT source of the funding made available to the beneficiary. As TRUSTEES, do the ADDRESSEES AFFIRM or XXXX DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that SANTANDER CONSUMER USA XXXX, XXXX XXXX and XXXX POLICE DEPARTMENT worked in cahoots to re-possess the vehicle based on DECEPTIVE FORMS and UNFAIR DEBT COLLECTION PRACTICES based on FICTITIOUS OBLIGATIONS placed upon this BENEFICIARY pursuant to STUDIED CONCEALMENT of a damaging TRUST DE XXXX XXXX and do owe this affiant DAMAGES. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that on XX/XX/XXXX, SANTANDER CONSUMER USA XXXX did provide your affiant with a XXXX XXXX XXXX automobile based on consideration and acceptance of your affiants open-end consumer plan pursuant to XXXX XXXX XXXX XXXX g ) that resulted in a credit sale pursuant to XXXX XXXX XXXX XXXX h ) and not a loan as was indicated via the deceptive forms supplied this CEO by SANTANDER CONSUMER USA XXXX and XXXX XXXX XXXX XXXX of XXXX XXXX. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that, SANTANDER CONSUMER USA XXXX did FURNISH CERTAIN DECEPTIVE FORMS as defined by TITLE XXXX XXXX XXXX whereby under economic compulsion, once signed, SANTANDER CONSUMER USA XXXX did affix the TITLE of DEBTOR/BORROWER to the NAME XXXX XXXX XXXX XXXX XXXX UNDISCLOSED source of CREDIT and unsecured BEARER BOND which XXXX SANTANDER CONSUMER USA did XXXX as the companies asset in an UNAUTHORIZED USE of said ASSET without said ASSET being registered as a SECURITY being extended to SANTANDER CONSUMER USA XXXX XXXX beneficiary although in VIOLATION of XXXX XXXX XXXX SANTANDER CONSUMER USA NEGLECT XXXX extend any BENEFIT or PAYOUT to the CEO. As TRUSTEES, do the ADDRESSEES AFFIRM or DENY this fact? Should the addressees deny such, the addressees are required to provide their explanation in writing using points of XXXX XXXX per their obligation to this beneficiary.
If no answer provided, the answer is : " Admit ''. Admit : _____ Deny : _____ Comment : It is a fact that at no point was it expressed, written or implied that the use and enjoyment owed to this CEO and BENEFICIARY regarding the CERTIFICATED CUSTOMER NAMED SECURITY XXXX XXXX XXXX would be waived that SANTANDER CONSUMER USA could claim said ASSET while extending no BENEFIT to this CEO. This CEO does hereby exercise his right to demand his due PAYOUT as said PAYOUT has been CRIMINALLY WITHHELD as defined in TITLE XXXX XXXX XXXX pursuant to an UNAUTHORIZED USE of the CEOS RIGHT to the use of that CREDIT issued by the
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| 11/02/2022 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Fraudulent loan
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I did not do business with this company santander consumer usa and this is fraudulent santander consumer usa Is a company that is in violation of 15 U.S. Code 1692 and multiple errors blow are the violations and errors I did business with XXXX XXXX XXXX XXXX XXXX so therefore Im am not liable for this debt and exercising my rights 15 U.S. Code 1692 - ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
As used in this subchapter ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection.
( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
( 5 ) The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment.
( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
( 7 ) The term location information means a consumers place of abode and his telephone number at such place, or his place of employment.
( 8 ) The term State means any State, territory, or possession of the United States, the District of Columbia, the Commonwealth of XXXX XXXX, or any political subdivision of any of the foregoing.
Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
( b ) Factors considered by court In determining the amount of liability in any action under subsection ( a ), the court shall consider, among other relevant factors ( 1 ) in any individual action under subsection ( a ) ( 2 ) ( A ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, and the extent to which such noncompliance was intentional; or ( 2 ) in any class action under subsection ( a ) ( 2 ) ( B ), the frequency and persistence of noncompliance by the debt collector, the nature of such noncompliance, the resources of the debt collector, the number of persons adversely affected, and the extent to which the debt collectors noncompliance was intentional.
( c ) Intent A debt collector may not be held liable in any action brought under this subchapter if the debt collector shows by a preponderance of evidence that the violation was not intentional and resulted from a bona fide error notwithstanding the maintenance of procedures reasonably adapted to avoid any such error.
( d ) Jurisdiction An action to enforce any liability created by this subchapter may be brought in any appropriate United States district court without regard to the amount in controversy, or in any other court of competent jurisdiction, within one year from the date on which the violation occurs.
( e ) Advisory opinions of Bureau No provision of this section imposing any liability shall apply to any act done or omitted in good faith in conformity with any advisory opinion of the Bureau, notwithstanding that after such act or omission has occurred, such opinion is amended, rescinded, or determined by judicial or other authority to be invalid for any reason.
( a ) Federal Trade Commission The Federal Trade Commission shall be authorized to enforce compliance with this subchapter, except to the extent that enforcement of the requirements imposed under this subchapter is specifically committed to another Government agency under any of paragraphs ( 1 ) through ( 5 ) of subsection ( b ), subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ]. For purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), a violation of this subchapter shall be deemed an unfair or deceptive act or practice in violation of that Act. All of the functions and powers of the Federal Trade Commission under the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by any person with this subchapter, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.
( b ) Applicable provisions of law Subject to subtitle B of the Consumer Financial Protection Act of 2010, compliance with any requirements imposed under this subchapter shall be enforced under ( 1 ) section 8 of the Federal Deposit Insurance Act [ 12 U.S.C. 1818 ], by the appropriate Federal banking agency, as defined in section 3 ( q ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( q ) ), with respect to ( A ) national banks, Federal savings associations, and Federal branches and Federal agencies of foreign banks ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ] ; and ( C ) banks and State savings associations insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), and insured State branches of foreign banks ; ( 2 ) the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Administrator of the National Credit Union Administration with respect to any Federal credit union ; ( 3 ) subtitle IV of title 49, by the Secretary of Transportation, with respect to all carriers subject to the jurisdiction of the Surface Transportation Board ; ( 4 ) part A of subtitle VII of title 49, by the Secretary of Transportation with respect to any air carrier or any foreign air carrier subject to that part ; ( 5 ) the Packers and Stockyards Act, 1921 [ 7 U.S.C. 181 et seq. ] ( except as provided in section 406 of that Act [ 7 U.S.C. 226, 227 ] ), by the Secretary of Agriculture with respect to any activities subject to that Act ; and ( 6 ) subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau, with respect to any person subject to this subchapter.
The terms used in paragraph ( 1 ) that are not defined in this subchapter or otherwise defined in section 3 ( s ) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813 ( s ) ) shall have the meaning given to them in section 1 ( b ) of the International Banking Act of 1978 ( 12 U.S.C. 3101 ).
( c ) Agency powers For the purpose of the exercise by any agency referred to in subsection ( b ) of its powers under any Act referred to in that subsection, a violation of any requirement imposed under this subchapter shall be deemed to be a violation of a requirement imposed under that Act. In addition to its powers under any provision of law specifically referred to in subsection ( b ), each of the agencies referred to in that subsection may exercise, for the purpose of enforcing compliance with any requirement imposed under this subchapter any other authority conferred on it by law, except as provided in subsection ( d ).
( d ) Rules and regulations Except as provided in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ], the Bureau may prescribe rules with respect to the collection of debts by debt collectors, as defined in this subchapter.
a ) Not later than one year after the effective date of this subchapter and at one-year intervals thereafter, the Bureau shall make reports to the Congress concerning the administration of its functions under this subchapter, including such recommendations as the Bureau deems necessary or appropriate. In addition, each report of the Bureau shall include its assessment of the extent to which compliance with this subchapter is being achieved and a summary of the enforcement actions taken by the Bureau under section 1692l of this title.
( b ) In the exercise of its functions under this subchapter, the Bureau may obtain upon request the views of any other Federal agency which exercises enforcement functions under section 1692l of this title.
This subchapter does not annul, alter, or affect, or exempt any person subject to the provisions of this subchapter from complying with the laws of any State with respect to debt collection practices, except to the extent that those laws are inconsistent with any provision of this subchapter, and then only to the extent of the inconsistency. For purposes of this section, a State law is not inconsistent with this subchapter if the protection such law affords any consumer is greater than the protection provided by this subchapter.
The Bureau shall by regulation exempt from the requirements of this subchapter any class of debt collection practices within any State if the Bureau determines that under the law of that State that class of debt collection practices is subject to requirements substantially similar to those imposed by this subchapter, and that there is adequate provision for enforcement.
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- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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On XX/XX/XXXX the alleged lender ( Santander/ Chrysler Capital XXXX was sent a packet which included Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX Proof of mailing XXXX Cease and desist notice.
XXXX Affidavit of Fact XXXX of Signature -due to deceptive practices, and TILA XXXX Affidavit of Recission XXXX Bill of particulars with Exhibits XXXX Request to return Down payment and Conditional acceptance if they provided the requested documentation.
This documentation was also sent ( CC ) to Texas attorney General and XXXX XXXX XXXX They confirmed they got it by sending back the certified mail green slip and also by sending a confirmation letter of my Cease and Desist request dated XX/XX/XXXX. Even after find out about their deceptive practices and breach of contract agreement I still remained in honor by paying off the entire statement ( tendered payment ) while waiting on the requested documentation of GAAP bookkeeping entries, validation of debt, and full disclosures.I paid in full using their online portal see screenshot attachments. I need proof that my payments didnt pay off the balance or discharged the loan since my online portal reflected that it was paid off and closed as of XXXX XXXX for the second time see attachments to this CFPB complaint. Since The original loan was 100 percent funded when I signed my contract via promissory note/ my signature endorsement. We are also in a billing error dispute because all of the confusion surrounding this contract .I refuse to re-contract with this company who is not following GAAP or TILA regulations. If a FINANCE CHARGE ( TILA regulation Z XXXX XXXX ) is the cost of consumer CREDIT as a dollar amount and it includes ANY charge of a type payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. And if A PURCHASE MONEY LOAN ( TILA regulation Z XXXX XXXX XXXX ) is a CASH ADVANCE which is received by the Consumer ( Not a 3rd Party on behalf of the consumer ), Why are Consumers lead to believe they need to bring CASH Or told like I was a down payment was required for the transaction when the FINANCE CHARGE IS THE SUM OF ALL CHARGES? Having firsthand knowledge, I did not receive a CASH ADVANCE as a result of my Finance Charge but are expected to repay the Loan that I never received. They also never disclosed that my insurance payments were supposed to be included in that Finance charge. They did not answer my Affidavit point by point which was requested in my Conditional Acceptance.. An unrebutted affidavit stands as truth in commerce. See 1 Pet. 1:25 ; Heb. 6:13-15. Legal maxim : He who does not deny, admits. An unrebutted affidavit becomes a judgment in commerce. See Heb. 6:16-17. Any proceeding in court, tribunal, or arbitration forum consists of a contest, or duel, of commercial affidavits wherein the points remaining unrebutted in the end stand as the truth and the matters to which the judgment of the law is applied. So not only have I paid once Ive paid twice. The bookkeeping entries prove the following : The alleged lender or financial institution involved in the alleged loan accepted the alleged borrowers loan papers ( promissory note ) as a bank asset offset by a bank liability. The financial institution exchanged the promissory note for credit in the borrower 's transaction account. This means that the bank or alleged lender recorded the promissory note as a loan from the alleged borrower to the bank and the bank ( alleged lender ) first became the borrower. Example : If XXXX goes to the bank and deposits {$100.00}, the bank credits XXXX 's checking account ( transaction account ) for {$100.00}. This credit means that the bank recorded a bank liability account showing that the bank recorded a loan from XXXX to the bank and that XXXX was the lender and that the bank was the borrower. The bank agrees that XXXX is the lender to the bank and that the bank is the borrower because XXXX can walk up to the bank teller and get his {$100.00} or XXXX can write a check for {$100.00} and spend the money. This means the financial institution accepted the promissory note like money as a deposit just like banks accept cash or checks like money and credit a checking account or transaction account. Banks accept legal tender money called cash and banks accept promissory notes like money, which is non legal tender money because promissory notes pay interest, investors will pay cash for the promissory notes giving the promissory notes equal value to cash. According to Federal Reserve Bank publications and Generally Accepted Accounting Principlesthe standard bookkeeping entries banks are required to followthe promissory note was recorded as a loan from me to the alleged lender or financial institution involved in the alleged loan. I was first the lender, and you were first the borrower. When you repaid the loan and returned the money to me, you claimed that the money that you returned to me was not repaying the money that you borrowed from me, but that the money you returned to me was a loan from you to me. I think we all agree in the principle that the one who funded the loan should be repaid the money. According to the bookkeeping entries using GAAP, I was the one who provided the money or funds that created the money that you claim was lent to me. At this time you are concealing the true economics and facts of what you are claiming is a loan. The promissory note is not proof of a loan. The bookkeeping entries will prove who loaned what to whom. If you claim that you did not follow GAAP, then the management of the financial institution issuing the CPA audit report claiming that they followed GAAP will, by law, be committing a fraud. I have every reason to believe the CPA audit report and that they followed GAAP. If you claim that there is an agreement and a loan, then you must stop concealing material facts, answer my questions, and tell me if the alleged promissory note was recorded as a loan from me to the original alleged lender or financial institution involved in the alleged loan or if the promissory note was stolen. According to my records, the promissory note was stolen or recorded as a loan from me to the original alleged lender and that the alleged lender never paid XXXX cent as adequate consideration to purchase the promissory note from me creating the economics similar to stealing, counterfeiting and swindling. I am now demanding that you either stop concealing material facts and answer my questions if you claim that there is an agreement or that you return the stolen promissory note. If you claim that the promissory note was a loan from me to you, I demand that you immediately repay the loan by returning the promissory note and stop the damage to me .If a thief stole my property or wealth and exchanged the stolen goods for cash and returned the cash to me as a loan, the thief concealed the theft, the thief breached the agreement and I have no legal obligation to repay the alleged loan. If a counterfeiter counterfeits money and lends me the counterfeit money which was used to buy my car, I have no legal obligation to repay the alleged debt because the alleged lender was engaged in a criminal act giving me illegal consideration and breached the agreement. As far as I am concerned, you breached the agreement by doing the opposite of what you advertised and agreed to, creating the economics similar to stealing, counterfeiting and swindling, and then refused to give me specific details of the alleged agreement and concealed material facts. A promissory note does not prove that there was a loan of the lender 's money as adequate consideration to purchase the promissory note from the alleged borrower and that no theft or counterfeiting or swindling took place. Past payments are considered extortion payments and do not ratify any alleged loan agreement. At this time the alleged lender has refused to answer questions and give details of the alleged agreement and has refused to zero out the alleged loan or cancel the lien as the alleged lender demands payment or declares they will use legal means to collect. Just so that there is no confusion : money, that is cash, is recorded as a bank asset and a bank liability and means the bank owes money. Checks are not money, checks simply transfer a bank liabilitychecking account balance indicating money the bank owes a customer who earlier deposited moneyto another bank customer 's checking account balance. The bank still owes money that was earlier deposited. I am hereby offering to discharge the alleged debt provided that you give specific answers to my questions regarding the alleged debt, and I will pay off or discharge the alleged debt using the same species of funds or money or money equivalent that the financial institution used to fund the alleged loan check or similar instrument using Generally Accepted Accounting Principles, thus ending all liens and interest. If you claim that there was an agreement, then explain the details of the agreement by answering the following questions here on CFPB website and sending a signed affidavit under penalty of perjury ( to the address provide on my sent in Affidavits dated XXXX XXXX, giving answers to the following questions : 1 ) According to the alleged loan agreement, was the alleged lender or financial institution involved in the alleged loan to lend their money as adequate consideration to purchase the promissory note ( loan agreement ) from the alleged borrower? YES or NO.
2 ) According to the bookkeeping entries of the financial institution involved in the alleged loan, did the alleged lender or financial institution involved in the alleged loan lend their money as adequate consideration lent to purchase the promissory note ( loan agreement ) from the alleged borrower? YES or NO?
XXXX3 ) According to the alleged loan agreement, was the alleged borrower to provide anything of value that a financial institution would use to give value to a check or similar instrument in approximately the amount of the alleged loan? YES, or NO?
.4 ) According to the bookkeeping entries of the financial institution involved in the alleged loan, did the lender or financial institution involved in the alleged loan accept anything of value from the alleged borrower that was used to give value to a check or similar instrument in approximately the amount of the alleged loan? YES, or NO?
.5 ) Did the alleged lender and financial institution involved in the alleged loan follow generally accepted accounting principles, GAAP? YES or No? Did the financial institution involved in the alleged loan have an audit done by a CPA with the CPA audit stating that the financial institution followed generally accepted accounting principles, GAAP? YES or No.
6 ) Do you have any information or evidence that the lender or financial institution involved in the alleged loan did not follow GAAP? YES or NO.
7 ) Was it the intent of the alleged loan agreement that the one who funded the loan is to be repaid the money? YES or NO.
8 ) Are the economics of the alleged loan similar to stealing, counterfeiting and swindling against the borrower? YES, or NO?
9 ) Are all material facts disclosed in the written loan agreement? YES or No.
10 ) According to the alleged loan agreement, was the alleged borrower to lend the borrower 's promissory note to another party such as the alleged lender or financial institution? YES or NO.
11 ) Who is the HOLDER IN DUE COURSE on this alleged loan?
12 ) Who is the Original lender on this alleged loan?
If you refuse to answer these questions with detailed specific answers, we will presume that there is a concealment of material facts and that the promissory note has been altered and stolen and that the alleged borrower provided the money that the alleged lender claims was lent to the alleged borrower. If you refuse to answer these questions, then please return a XXXX balance, return the promissory note, any payments made, return my title free of liens, update all credit reports to paid off, or paid as agreed upon. All correspondence, notices, and affidavits will be used at arbitration. Any appearance made is under duress without my consent and by special appearance only.
I explicitly reserve all my natural rights as a natural, free human being under contract law of the Divine Creator without prejudice and without recourse to me. I do not consent to compelled performance under any contract that I did not enter into knowingly, voluntarily, and intentionally ( meeting of the minds ). I do not accept the liability of the benefits or privileges of any unrevealed contract or commercial agreement. Willing to sign NDA after my problems have been resolved. Thank you for being my fiduciary but I no longer need your services.
|
| 05/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
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|
Web |
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I am writing this complaint to seek remedy and resolution in a matter involving XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ), and CHRYSLER CAPITAL ( XXXX XXXX XXXX XXXX XXXX, Tx XXXX ). On XX/XX/XXXX, I exercised my right to rescission as per 15 U.S. Code 1635, and in accordance with 12 CFR 1026.15 ( CFPB ) due to violations of the Truth in Lending Act ( TILA ) under 15 U.S. Code 1601 et seq committed by both parties. The consumer credit transaction that I am referring to is regarding a vehicle purchase agreement entered into by the following parties : myself, XXXX XXXX XXXX XXXX XXXX XXXX, and CHRYSLER CAPITAL, on XX/XX/XXXX, is in violation of the TILA due to unfair credit billing, misrepresentations, and failure to disclose necessary and accurate information in the Truth in Lending Disclosure portion of the contract clearly and conspicuously.
On XX/XX/XXXX, as part of the financing process the purchase of a XXXX XXXX XXXX, I was led to believe that a trade-in value, as well as a down payment, was necessary to secure financing for the vehicle. However, upon reviewing the loan documents I realized that was not accurate. I also discovered that the TILA disclosure in the original retail installment contract is not accurate with the information that is being reported by the same creditor to the consumer reporting agencies, nor does the original contract accurately reflect, in a clear and conspicuous manner, the amount of payments, the number of payments, the total of payments, the amount financed, the finance charge, or the annual percentage rate. The down payment amount is not accurately reflected in the buyers order section of the contract and was misrepresented as a balance owed to the dealer, which resulted in a deceptively higher finance charge and annual percentage rate, and possibly the amount financed for the consumer while enriching Chrysler Capital and XXXX XXXX XXXX XXXX XXXX XXXX. These violations also occurred just days after a prior purchase agreement was cancelled between all parties after I was completely unsatisfied with the terms of that purchase agreement and the vehicle choice. This is a violation of Consumer Credit Protection Act under 15 U.S. Code Chapter 41. This is also a violation under 15 U.S. Code 1692 Fair Debt Collection Practices Act, and 15 U.S. Code 1611, and 15 U.S. Code 1640, 15 U.S. Code 1638, 15 U.S. Code 1637, and pursuant to 15 U.S.C. 1681 ( o ), 15 U.S. Code 1681 ( n ), 15 U.S. Code 1605, 15 U.S. Code 1606, and 18 U.S. Code Chapter 25.
I am also acting on this claim in accordance with Illinois State law which states that I am entitled to file claim for damages for Truth in Lending Act violations, in which case that action has been taken within the one-year limitation required to file a claim for damages.
On XX/XX/XXXX, I formally requested by certified mail, a validation of the debt and all original contracts and documents related to the transaction. However, I have not received any response, nor have I been provided with said documents or a copy of the original contract. Chrysler Capital has also failed to stop reporting the inaccurate information that has been disputed and has not been validated. They are in direct violation under 15 U.S. Code 1692 Fair Debt Collection Practices Act as well as The Fair Credit Reporting Act, which also states that I am entitled to file a claim for damages.
I have submitted a total of two disputes on two separate occasions thus far with XXXX, XXXX, and XXXX regarding the inaccurate and unvalidated information that is being reported by Chrysler Capital on my consumer credit profile. I submitted the first dispute by mail on XX/XX/XXXX. I submitted the second dispute by mail to the credit reporting agencies on XX/XX/XXXX. All three of the XXXXredit Reporting agencies claim that both disputes thus far have been verified although there are clear and apparent discrepancies with the information be reported to their agencies. This is a direct violation of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act, which also states that I am entitled to file a claim for damages.
As per the TILA regulations, consumers have the right to rescind certain transactions that involve a lien on their principal dwelling within three business days after the transaction date. If the lender fails to provide the required disclosures, the consumer may have the right to rescind the transaction within three years. The rescission period may also be extended to three years if there are material TILA disclosures that are omitted or inaccurate.
I have listed the TILA violations as well as other known violations that have been committed, and I am intending to seek the maximum amount of all damages and compensation allotted to me by law for every violation committed by both mention parties in regard to this consumer credit transaction, as well as legal expenses and fees incurred in pursuit of a resolution in this matter.
1. Failure to disclose necessary and accurate information in the Truth in Lending Disclosure clearly and conspicuously in accordance with 12 CFR Part 226 Truth In Lending ( Regulation Z ), 15 U.S. Code 1601-Congressional Findings and Declaration of Purpose, Illinois Administrative Code Title 14. Commerce subtitle B. Consumer Protection Chapter 2. Attorney General Part 475.210, 15 U.S. Code Chapter 2, 15 U.S. Code 1606 Determination Annual Percentage Rate, 15 U.S. Code 1605 Determination of Finance Charge, 15 U.S. Code Subchapter 1 Consumer Credit Cost Disclosure, 15 U.S. Code Chapter 41- Consumer Credit Protection, 15 U.S. Code 1640 Civil Liability, 15 U.S. Code 1681 ( o ) - Civil Liability for Negligent Noncompliance, 15 U.S. Code 1681 ( n ) - Civil Liability For Willful Noncompliance , 15 U.S. Code 1611 -Criminal Liability for Willfulness and Knowing, 15 U.S. Code 1692 - Fair Debt Collection Practices Act, 15 U.S. Code 1637 Open End Consumer Credit Plans, 15 U.S. Code 1638 Transactions Other Than Open End Credit Plan, 15 1681 Fair Credit Reporting Act.
2. Deviation from the Truth and Lending Act as pursuant to 12 CFR Part 226 Truth In Lending ( Regulation Z ), 15 U.S. Code 1601-Congressional Findings and Declaration of Purpose, Illinois Administrative Code Title 14. Commerce subtitle B. Consumer Protection Chapter 2. Attorney General Part 475.210, 15 U.S. Code Chapter 2, 15 U.S. Code 1606 Determination Annual Percentage Rate, 15 U.S. Code 1605 Determination of Finance Charge, 15 U.S. Code Subchapter 1 Consumer Credit Cost Disclosure, 15 U.S. Code Chapter 41- Consumer Credit Protection, 15 U.S. Code 1640 Civil Liability, 15 U.S. Code 1681 ( o ) - Civil Liability for Negligent Noncompliance, 15 U.S. Code 1681 ( n ) - Civil Liability For Willful Noncompliance , 15 U.S. Code 1611 -Criminal Liability for Willfulness and Knowing, 15 U.S. Code 1692 - Fair Debt Collection Practices Act, 15 U.S. Code 1637 Open End Consumer Credit Plans, 15 U.S. Code 1638 Transactions Other Than Open End Credit Plan, 15 1681 Fair Credit Reporting Act.
3. Misrepresentation of the down payment amount in the Buyers Order as pursuant to 15 U.S. Code Subchapter 1 Consumer Credit Cost Disclosure, 15 U.S. Code Chapter 41- Consumer Credit Protection, 15 U.S. Code 1640 Civil Liability, 15 U.S. Code 1681 ( o ) - Civil Liability for Negligent Noncompliance, 15 U.S. Code 1681 ( n ) - Civil Liability For Willful Noncompliance , 15 U.S. Code 1611 -Criminal Liability for Willfulness and Knowing, 15 U.S. Code 1692 - Fair Debt Collection Practices Act, 15 U.S. Code 1637 Open End Consumer Credit Plans, and 15 U.S. Code 1638 Transactions Other Than Open End Credit Plan.
4. Reporting inaccurate information to the credit reporting agencies pursuant to 15 U.S. Code 1692 Fair Debt Collection Practices Act, and 15 1681 Fair Credit Reporting Act.
5. Violated my consumer rights by disregarding my request to have only one inquiry added to my credit profile in regard to this transaction, no matter whether I was approved or not. There is evidence that approximately 19 inquiries were added to the consumer credit report relating to this transaction. A host of these hard inquires took place months after the transaction and without my consent, which is a violation pursuant to 15 U.S. Code 1601, 15 U.S. Code Subchapter 1 Consumer Credit Cost Disclosure, 15 U.S. Code Chapter 41- Consumer Credit Protection, 15 U.S. Code 1640 Civil Liability, 15 U.S. Code 1681 ( o ) - Civil Liability for Negligent Noncompliance, 15 U.S. Code 1681 ( n ) - Civil Liability For Willful Noncompliance , 15 U.S. Code 1611 -Criminal Liability for Willfulness and Knowing, 15 U.S. Code 1692 - Fair Debt Collection Practices Act, 15 U.S. Code 1637 Open End Consumer Credit Plans, and 15 U.S. Code 1638 Transactions Other Than Open End Credit Plan, 15 1681 Fair Credit Reporting Act.
6. Other violations not listed in the list above have been documented throughout this notice with respect to the laws that correspond with said violations.
This is a communication and is intended to affect an out-of-court settlement of this matter within 20 days of the mailing date of the notice of right to rescind the contract. This section is also in accordance with 15 U.S. Code 1635 ( b ), 15 U.S. Code 1635 ( g ), and 15 U.S. Code 1640. To remedy this matter in an out-of-court settlement, I am willing to except the following terms : 1. Transfer of ownership and title to the consumer for the XXXX XXXX XXXX, free and clear of any liens and/or other holdings, no later than 20 days after the mailing date of the notice of rescission as pursuant to 15 U.S. Code 1635, 2. Recoupment of any and all payments made on the consumers behalf. Recoupment should be made payable to the consumer, no later than 20 days after the mailing date of the notice of rescission as pursuant to 15 U.S. Code 1635, 3. Total amount of the finance charge made payable to the consumer, no later than 20 days after the mailing date of the notice of rescission as pursuant to 15 U.S. Code 1635, 4. Compensation in the amount of {$25000.00} for the damages caused by these companies Made payable to the consumer because of this transaction, compensation for damages should be made payable to the consumer, no later than 20 days after the mailing date of the notice of rescission as pursuant to 15 U.S. Code 1635, As per all relevant laws in this notice, I am entitled to rescind the contract due to TILA violations, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and CHRYSLER CAPITAL are required to comply with the rescission.
Furthermore, it is important to note that the Fair Credit Reporting Act ( FCRA ) requires that accurate information be reported by lenders to credit bureaus. Any reporting of inaccurate information will be considered a violation of the FCRA.
I demand that both XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and CHRYSLER CAPITAL confirm the process of rescinding the loan, as well as rescinding my signature from all contractual agreements in connection with this consumer credit transaction, in writing and provide any other information and remedy required to complete the rescission.
I have advised both parties that any attempts to collect on the referred debt, mark it on my credit report, or pursue any litigation proceedings without responding to this letter or providing appropriate evidence of its validity will be considered violations of the Fair Debt Collection Practices Act ( FDCPA ), relevant Uniform Commercial Code, and all applicable FTC laws.
I expect your prompt attention to this matter. Should any provisions or claims in this notice be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provisions or claims included in this notice and reasonable opportunity and effort shall be taken to modify it to become enforceable.
" Equality under the Law is PARAMOUNT and MANDATORY by Law '' NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns
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| 05/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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At the end of XXXX XXXX, I received a letter in the mail from my car loan company about a delinquent account for my car loan through Santander Consumer USA stating a notice of right to cure default. I had until XXXX to pay the outstanding balance of XXXX which included the late fees and other fees and expenses they added. My car payment is XXXX a month. My first initial thought was the amount they say I owed wasnt even correct. Obviously, if you add the 2 months, I was behind the total is more than the amount that was stated I owed. Which included the fees and other expenses. I thought I may have misunderstood or missed something, but I knew I was 2 months behind and submitted a payment of XXXX on XXXX. Unfortunately, not knowing that my bank account had been compromised, and took most of the money for the payment, putting my bank account XXXX Still not yet knowing that my account was compromised, the payment of my XXXX was returned to my account the very next day XXXX which then put my account back into the positive with the available amount of XXXX That very same day I received a call from my bank informing me of the issue. Which immediately brought my attention to the car payment and hoping it goes through. All the funds taken from my account were credited back to my account on the same day, XXXX. I did ask my bank if they were able to tell if my payment for Santander went through or not and they were not able to confirm if it did. At this point, my account was back to my original balance of XXXX, which covered the car payment I hoped had gone through. Showing in my bank statements I have provided show that the first initial payment did not go through and was returned as I stated above. then on XXXX Santander Consumer charged my account as a retry for the payment I initially sent in that got returned. They did it not only once but twice back-to-back on the same day. Which then set my bank account back into the negative with a balance of XXXX. on XXXX a return of posted payment was sent back into my account making my account balance XXXX. The second charge that was made to my account twice in a row was never returned. Then on XXXX, they tried to again charge me for the initial payment of XXXX even though it had indeed gone through from one of the two charges they made to my account on XXXX So again, putting my account back into the negative until the payment was again returned to my account. This continued a few more times of charging and returning a payment that I had already made. Which also gives me a new late charge, a return fee for the returned payment (for each time they tried to continue to charge me even after the payment went through), and a fee for repossession of my vehicle. With all the transactions from them coming in and out of my account I had no idea if it was paid for or not by this point. So, I logged onto my account and checked the portal on their website of my transaction history. It showed each charge and each returned payment that did not go through. If you click on the question mark on their site if the total is shown in parenthesis, then that payment did not go through and is a returned payment. The last transaction on my account transaction history on their website showed a payment of $XXXX did go through on the dates that matched my bank statements and were NOT in parenthesis. But the total amount owed didnt add up. Looking into the payments in the past made I realized that most of the payments I had made did not even go towards the principal amount and mostly on unknown expenses and fees. Not knowing that this is not a good thing I again thought that maybe I was just not understanding it correctly or something. But it showed paid, so I just brushed it off. I have an extremely busy life running a large business and being a husband and father to a small child. I have a hard time keeping up with things at times and unfortunately, my account does get compromised often. My bank can vouch for this. Regardless I will admit to not remembering to make payments every month but as soon as I receive notice of it being late I immediately make a payment on it and accept all the fees and expenses. Until I received yet another NOTICE OF RIGHT TO CURE DEFAULT on XXXX which also stated that I had until XXXX to pay the outstanding balance. that you are in default under your contract because you are late in making your payment(s). Under North Carolina General Statutes Section 6-21.2, we may collect from you attorneys* fees in addition to the outstanding balance, which is AMOUNT NOW DUE (shown above), unless you pay the outstanding balance by LAST DAY FOR PAYMENT (shown above). Payment may be sent to us at XXXX XXXX XXXX XXXX XXXX TX XXXX.
Inder die not pay the AMOUNT NOW DUF by the LAST DAY FOR PAYMENT, we may exercise our rights
NOTE: The acceptance of these or other late payments does not waive our right to repossess the collateral or take other appropriate action if you fail to make future payments on time. You are required to make all
payments on time.
LAST DAY FOR PAYMENT:
XXXX Description of Collateral:
ModelXXXX XXXX
Year: XXXX
MakeXXXX XXXX Contract Date: XX/XX/XXXXAmount Now Due as ofXX/XX/XXXX:
Total Payments Due
Total Late Fees
Other Fees/Expenses
AMOUNT NOW DUE
XXXX XXXX XXXX XXXX
Please write us at XXXX XXXX XXXX XXXX XXXX TX XXXX of call us at XXXX XXXX, Monday
Please Friday XXXX XXXX XXXX XXXX XXXX and Saturday XXXX XXXX XXXX XXXX XXXX Central Time if you have any
questions regarding this notice.
You are receiving this notice due to the legal requirements of the state where you originally signed the agreement.
At this point, I am very confused and pretty upset. This is my wifes car, and we can have it repossessed. She does all the shopping and transporting for our child, and I travel all the time. This also has affected my credit score and we are trying to sell our home and buy a bigger home but must do some remodeling of the old house first. So not only is this issue going to make it difficult when we try to buy our new home but also sets us back from being able to get an equity loan to do the remodeling of our old home which is worth now XXXX and us only owing XXXX. I believe you can imagine the overwhelmed angry feeling that took over me. I instantly hopped onto my Santander account to look and see if this was a possible mistake and just from the previous inquiry that I received late. But I was wrong. They are claiming that I never made that payment. But I did. My bank statements show I did, their own portal shows I did and my account missing XXXX says I did. That account isnt used for really anything but the car payment and a few other things. So, you can easily tell when a large amount like that is no longer there. When I called to ask about this issue the lady was extremely rude and pretty much called me a liar. When I tried to explain everything in detail and how I am looking at their online portal of my account that shows the payment did go through and where did the XXXX in my bank account go then, she said I see what you are saying but look at the total amount owed. It shows you didnt make a payment. Which, it did show I made a payment but instead of the principal amount owed on the loan lowering XXXX it added XXXX, raising the total amount owed after the payment was made. She literally argued with me when I asked how that even made any logical sense and told me that if I wanted to prove this then I would have to get them my bank statements to prove it. So, I said that is fine, what is the email I can send it to, I will send them right now. She literally chuckled and said oh we dont do email yet. You must go print them out and fax them to us or mail them. By now Im thinking it is now 65 days delinquent and they are coming to take the car. This is XXXX I can almost guarantee that not your average everyday person or family has a fax machine they can just use. I bit my lip and just said OK whats the fax number ill try to find a place that will fax it to me. She told me the number and said I had to get my bank to print it off and that they would then fax it to them for me. Then cut me off and proceeded to say, So XXXX XXXX can I ask what your intentions are now after this ongoing conversation we have had today and the information I have provided, I asked what she was asking, and she said Well are you going to make this payment or not. Mind blown I just hung up the phone before I said something I regretted. Moving on from that I left to get to the bank. By the time I made it to the nearest bank, they were closed. So, I drove 35 min back home to sit and wait to try again tomorrow. The next day I get up and go to the bank for them to tell me they cant do that for me. They do not fax things and would have to find another way to do so. An hour and forty minutes later and a half tank of gas from all of this ridiculous nonsense I find a place to fax it for me for XXXX Days go by and its now today XXXX and I have yet to hear a response from Santander about the bank statements and the proof of the payment I made. So, I reached out to them again. This time by, funny thing, email. Then I finally received an email back from them with absolutely nothing but my transaction history from my account. Which I had already sent to them. But theirs was one small difference. The second charge of that payment went through and was not put back into my account. Nothing else. Just that. Nothing telling me what they believed happened or explaining it to me or even a rude remark saying just pay your bill. Now I am extremely furious. I have never in my life dealt with a company like this. Completely unprofessional and unpleasant in all aspects. So, I got online and researched Santander consumer usa complaints and reviews. My jaw dropped when I saw the one-star rating and all the terrible stories of the exact same thing happening to so many others, some worse than mine. And one only a few days after my issue began. Then the consumer protection bureau popped up with recommendations on what I should do. Going through the website and learning more about what CPB does I stumbled upon File No. XXXX under the consumer complaint database. I read all 31 pages of it, and I could not believe what I had just read. I was not the only one dealing with this issue and it has been an ongoing issue for a while now. Now Im stressed out and do not know what to do or what will happen or if this isnt the first time this has happened with them because there have been a few things that caught my attention but again my busy life it was the last thing I was worried about nor thought was even possible to happen. So here I am not knowing what to do and asking for help and telling you my side of the story. I have all the bank statements I can provide along with the original transaction history I sent to them before they sent me one back. I have downloaded all the proof in so many different aspects on different platforms to show that I did make this payment. Please help me or tell me what I should do. Or even tell me that Im wrong and missing something. I just need to know the answers and explain why this has happened and to take back the marks on my credit if thats possible and my payments updated and make sure this hasnt happened in the past already.
|
| 02/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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|
Web |
Older American |
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Circumstances : In XXXX of XXXX, after being hospitalized for one week with XXXX in XXXX of XXXX, my $ XXXX contract ( my sole income source ) with XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX, Michigan was terminated. My recovery period from XXXX lasted 3-month after hospitalization. As a result of the loss of income and my inability to replace that income at 65 years of age, I was unable to continue to make my mortgage payment of {$2100.00} which included principle, interest, taxes, and insurance. On or about XX/XX/XXXX I entered into a forbearance with my mortgage company, Santander.
After hearing about the Homeowners Assistance Fund through the American Rescue Plan for homeowners experiencing financial hardship after XX/XX/XXXX, I applied for a XXXX XXXX XXXX XXXX grant on XX/XX/XXXX. I was approved for a {$25000.00} grant from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on XX/XX/XXXX. On XX/XX/XXXX, XXXX sent to the Santander Homeowners Assistance Fund department ( Santander HAF ) a request asking Santander to confirm they will accept the {$25000.00} grant and apply it to my mortgage. After multiple requests from me, as well as XXXX, for a response to the XX/XX/XXXX request from XXXX, Santander has still not responded to this request. As of the date of this complaint submission, it has been 107 days since XXXX sent their original request. According to one person I spoke to in Santander Loss Mitigation department, I should not enter into a loan modification with the Santander Loss Mitigation Department until Santander tells XXXX they will accept the {$25000.00} grant and apply it to my mortgage. If I enter a loan modification before the {$25000.00} XXXX XXXX is applied to my mortgage, it could potentially disqualify me for the XXXX grant.
Unfortunately, no one seems to be able to speak to anyone at Santander HAF, not even internal employees. They have not responded to my requests for a response, nor have they responded to the requests from XXXX for a response. They dont even respond to the internal requests from their own Loss Mitigation department. At this point, I am very concerned that Santander will initiate foreclosure proceedings on my home I have lived in for over 22 years.
I am only left to speculate on the reasons they have not responded. Is it because they want to force me into refinancing at a higher interest rate? If that is the case, I believe that would fall into the category of predatory lending. I can not even get a Loss Mitigation Supervisor from Santander to call me. I have made many attempts to communicate with Santander about this matter. However, I can not get a response from anyone there and this matter continues to drag on.
I am simply asking that Santander respond to XXXX indicating they will accept the {$25000.00} XXXX grant and apply those funds to my mortgage so I can then negotiate an appropriate loan modification. I am extremely puzzled as to why Santander would not immediately receive the {$25000.00} XXXX.
Below is a timeline of events and calls pertaining to this issue : XX/XX/XXXX After falling behind by 2 mortgage payments, I entered into a Forbearance agreement for my mortgage with Santander on or about XX/XX/XXXX XX/XX/XXXX I applied for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX grant funded by the American Rescue Plan.
XX/XX/XXXX I was approved for a {$25000.00} grant through XXXX XX/XX/XXXX I spoke to XXXX at Santander and requested a continuation of the forbearance until the {$25000.00} grant can be applied to my mortgage. XXXX told me I dont qualify for further forbearance and that the XX/XX/XXXX payment is due and will be reported as delinquent if it is not paid. I was not able to make that payment.
XX/XX/XXXX XXXX received some intial verification information they needed from the Santander Homeowners Assistance Fund department ( Santander HAF ) to continue to process my approved grant.
XX/XX/XXXX Since the arrearage on my mortgage was greater than {$25000.00}, XXXX sent to the Santander HAF a request asking Santander to confirm they will still accept the {$25000.00} XXXX grant and apply it to my mortgage.
XX/XX/XXXX ( 3 days after MIHAFs original request ) I spoke to XXXX in the Santander Loss Mitigation Department. She did not show any updates in her notes from the Santander HAF. She indicated they have ten days to respond to such requests and that I should check back after ten days have passed.
XX/XX/XXXX ( 27 days after MIHAFs original request ) I spoke to XXXX in Santander Loss Mitigation. She told me there was no update from the Santander HAXXXX regarding the XX/XX/XXXX request from XXXX. She said she would send an internal request for an update from the XXXX XXXX and that it would take XXXX XXXX hours to receive a response from them.
XX/XX/XXXX ( 32 days after MIHAFs original request ) I spoke to XXXX at Santander Loss Mitigation and asked for a status on the response from the Santander HAF. XXXX said the inquiry is still under review. XXXX said she would send a second request to the Santander HAF asking for an update.
XX/XX/XXXX ( 33 days after MIHAFs original request ) MIHAF sent a follow up request to Santander HAF again asking them to confirm they will accept the {$25000.00} XXXX grant and apply it to my mortgage.
XX/XX/XXXX ( 35 days after MIHAFs original request ) I spoke to XXXX at Santander Loss Mitigation and asked for a status on the response from the Santander HAF. XXXX said there was still no response from Santander HAF and that she would send them a third internal message requesting status on the Santander HAF response to the XXXX request from XX/XX/XXXX. I also told XXXX I was now getting daily calls from the Santander Collections department. XXXX told me that as long as I was working with Loss Mitigation, I dont have to respond to the phone calls from the Santander Collections Department XXXX
XX/XX/XXXX I spoke to XXXX at XXXX who told me if they do not get a response from Santander HAF, the XXXX Partner XXXX could cancel my XXXX XXXX.
XX/XX/XXXX ( 35 days after MIHAFs original request ) I spoke to XXXX at Santander Loss Mitigation and stressed to her the importance of getting a response from Santander HAF because XXXX could cancel my grant if they do not receive a response from Santander HAF. XXXX said she will update my account with the information from XXXX indicating they could cancel the XXXX if XXXX does not respond in a timely manner.
XX/XX/XXXX ( 60 days after MIHAFs original request ) I spoke to XXXX, a representative at XXXXantander Loss Mitigation, asking for status of the XXXX request. There were no updates. I asked the representative to send another request. She indicated she has no way of communicating with that department. I asked XXXX to escalate this call to a supervisor. She said she can not transfer a call to a supervisor and had to send an email to a supervisor requesting the call be escalated. XXXX said she would send an escalation email request to a supervisor. However, I never received a call from a supervisor.
XX/XX/XXXX ( 61 days after MIHAFs original request ) I spoke to XXXX, a representative at Santander Loss Mitigation. I again asked to speak to a supervisor. The representative told me she cant transfer calls to supervisors and that she would have to send an email requesting a supervisor call back to me. I was told a supervisor would call me within XXXX hours, however, I never received a call.
XX/XX/XXXX ( 76 days after MIHAFs original request ) I called Santander, spoke to XXXX in Loss Mitigation, asking for a status of the XXXX request. However, there was no update. I again asked for this issue to be escalated to a supervisor. The representative said she would email another escalation request to a supervisor. However, I never received a call from a supervisor.
XX/XX/XXXX ( 97 days after MIHAFs original request ) I called Santander and spoke to XXXX in Loss Mitigation. I asked for an update on the XXXX request. XXXX told me there is not record of a request being received. I asked her why she is the only representative I have ever talked to at Santander that has ever told me there was no request received. She insisted that XXXX must have sent the request through the wrong portal and that the request should be sent to XXXX Mortgage who is servicing the Santander mortgages. Again, I told her I have never been told that by any other representative in Loss Mitigation and the other representatives were able to see a request had been sent from XXXX and that Santander had never responded to their request. She suggested I call XXXX to see where they sent the requests.
XX/XX/XXXX I spoke to XXXX at XXXX. I told her that XXXX from Santander Loss Mitigation suggested that the XX/XX/XXXX XXXX request may have been sent through the wrong portal and I wanted to confirm that it was sent through the correct portal. XXXX said she would send a request for the XXXX XXXX to call me back to clarify and if I dont hear back from him by XX/XX/XXXX I should call back.
XX/XX/XXXX I spoke to XXXX at XXXX to tell her I did not receive a call back from the XXXX XXXX. XXXX told me the Case Manager would be the one to call me back, not the XXXX XXXX. After explaining the circumstances to her and how long it has been since the original request was sent from XXXX to Santander HAF, XXXX then sent an escalation notice to the XXXX XXXX and the Case Manager asking for one of them to call me back.
XX/XX/XXXX I spoke to XXXX at XXXX to tell her I still have not received a phone call from the XXXX XXXX or the Case Manager. XXXX sent another escalation message to a team leader requesting for the Case Manager to call me.
XX/XX/XXXX ( 105 days after MIHAFs original request ) The XXXX Case Manager called me back and assured me the request from XXXX to Santander HAF did go through the correct portal and that Santander HAF had previously sent XXXX other verification information regarding my mortgage account through the same portal. There is no doubt that XXXX has used the correct portal to communicate with Santander. However, XXXX still has not received a response to their XX/XX/XXXX request.
|
| 01/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XX/XX/XXXX My brother, XXXX XXXX was working as a XXXX XXXX for XXXX XXXX. I was XXXX XXXX XXXX and did not know much about buying cars, car loans, etc. My fianc always took care of that for me and for all the other information that I needed about cars, I would reach out to my brother to get. On XX/XX/XXXX, XXXX reached out to me to see if I would consider co-signing a vehicle loan. I was hesitant to do so because I did not feel comfortable with co-signing a loan with anyone. I said I wasnt sure and told him that due to my short credit history, I would not be approved. He said, Thats fine, let 's just run your credit and see your credit score. I said, " I guess thats fine.
XX/XX/XXXX I hadnt heard from XXXX, so I reached out to him and asked him how everything went with the vehicle. He then told me that he got approved and he got the vehicle.
XX/XX/XXXX I had Chrysler Capital calling me about the loan and I was confused because I thought I wasnt on the loan. I then found out that my brother used my information and took out this loan in my name. I told my fianc and he asked, Did you ever sign any contract for the vehicle? and I said, No. He then said, Well then you are not legally bound to that loan at all. He committed fraud. I reported that my identity had been stolen with XXXX and went through my checklist on IdentityFraud.gov. So, I then talked with Chrysler Capital, and they told me to reach out to the dealership to get some explanation as to what happened.
I called XXXX XXXX on XX/XX/XXXX and spoke with a young gentleman in the Finance department briefly about the forgery/identity theft matter and kind of explained what happened. He said to me, " It sounds like a problem you are going to have to take up with the credit company. We can't take your name off as cosigner. '' I then said, " But I've already spoken with Chrysler Capital, and they told me that I needed to work this out with y'all. '' He said, " That's not really how it works. '' I then asked, " Can I speak with your XXXX XXXX? '' He then put me on hold for some time. He got back on and said, " You are going to have to speak with XXXX, my XXXX. '' and then transferred me. When I initially stoke initially spoke with XXXX she said, " This matter is my top concern. '' She then said that she would investigate it and call me back. So, I waited a few hours and got no call.
I then took it upon myself to call them back myself and XXXX then told me she had XXXX in Finance ( AKA the employee that signed off on the sale of the vehicle ), call XXXX and apparently XXXX told them, that he took me the contract and that we looked over it together and I signed it, and he brought it back. I then said, " I never got to see any of the documents, copies, or anything. I never got to see an agreement, the loan, the credit application, nothing. '' She then said, " Well there's a signature that looks like your name on the contract. '' I then asked, " Could you send me a copy of this contract so I can see it for myself because I don't remember ever signing any contract. '' She then replied, " You are going to have to wait for my record keeper to get back in the office. She already left for the weekend. '' I then said, " Okay, can you call me back on Monday? '' and she replied, " Yes, we will update you with everything on Monday. '' Then Monday, XX/XX/XXXX, I received no calls. I called them myself right before closing. I had the front desk transfer me to XXXX. She picked it up and we started talking. " XXXX, you said you would call me back on Friday and I have yet to receive a single call from y'all. '' I spoke. " Sorry, we were really busy today and sadly my record keeper is out of the office today. She was sick. Also, we will need an email with a copy of your Driver 's License and a statement that you are requesting a copy of the contract. '' I then said, " Okay, look, I know you have the contract on your computer. Can't you just email it to me? '' She said, " Sorry I need permission from my XXXX and he's not here at the moment. '' I said, " Fine, I'll send the email. Can you just call me tomorrow then when the record keeper gets in? '' " Yes, I'll be sure to do that. '' she said.
The next day, XX/XX/XXXX, I received no phone calls from XXXX or anyone at XXXX XXXX. So, I then took it upon myself to type this email to XXXX ( the supposed XXXX ), XXXX XXXX ( the XXXX ), and XXXX XXXX the controller ) : " I'm writing in regard to a situation that I hope you have all been made aware of. I am a victim of Identity Fraud/Possible Forgery stemming from a lease that was made back in XXXX of XXXX. An employee by the name of XXXX XXXX took my information and made me co-signer on a lease that I have never seen, and someone signed my name for me, or he produced a facsimile of my signature. As a result of all of this, XXXX XXXX has failed to remain current under the lease contract, which has had a completely detrimental impact on what was my very good credit.
I've spoken with XXXX on several occasions, and not only has she not taken my name off as a cosigner or gotten the information back to me that I need, but she also reached out to XXXX and let him know that I was reaching out about this matter. I have not gotten any answers and I, myself, have had to reach out now every time to try and figure out what's going on. And from what XXXX told me, there was no Notarized signature to accompany XXXX 's signature or the forged/facsimile XXXX. I can tell you that I've never stepped foot into XXXX XXXX ever, so I'm very curious as to why this lease was ever even processed through? I was told lies from XXXX XXXX regarding this vehicle and loan, and I have proof through text communications that prove I never saw or signed any of that lease paperwork. Now I'm stuck here wondering whether or not XXXX was the only person at that dealership who was involved in this scheme. Who is running your XXXX department and why did he accept this lease without myself present or at the minimum -- a notarized signature ( as it states in your policy that you require )? I demand answers or I will be forced to seek, through my counsel, whatever relief I XXXX be entitled to Under Texas XXXX, legal or equitable, without further notice.
Regards, XXXX XXXX XXXX '' The next day on XX/XX/XXXX I received an email from XXXX with no words. Just a copy of the contract. I contacted them back the same day with an email saying : " As I'm sure you can tell by the signature on my ID, that signature looks absolutely nothing like mine. I would like my name taken off as co-buyer on this vehicle and report it to the credit agency immediately. I would like it to be clearly stated that I'm NOT disputing this is not my debt, but that it HAS NEVER been my debt.
Regards, XXXX XXXX XXXX '' Since I was able to finally see the contract myself and confirm that the signature on it was definitely NOT MINE, on XX/XX/XXXX, I went and filed a police report with the XXXX Police Department.
XX/XX/XXXX I kept contacting Chrysler Capital about the incident and they said that they couldnt do anything without a civil case against XXXX and a handwriting expert, because even though there was suspected fraud on the account, they couldnt prove that the account wasnt mine.
XX/XX/XXXX I decided to reach back out to the dealership via email and wrote : " I'm still waiting for the notation on my account that this has never been my debt. Please advise as to when that will be done.
Respectfully, XXXX XXXX XXXX '' Still, I have yet to receive any response or phone calls from them.
On XX/XX/XXXX I reached out to the XXXX and filed a complaint. I spoke with XXXX XXXX and sent her the copy of the contract and all the info about the incident. She said she would review everything and get back to me.
XX/XX/XXXX XXXX reached out to me and said that even though the signature looked forged, that I would have to move forward with a civil suit because XXXX XXXX said they didnt know it wasnt my signature and I would have to press charges against XXXX individually.
Additional notes : Ive included a copy of the contract for your inspection. The signature on the contract is very obviously forged. It looks almost exactly like his signature, except uses a C instead of a B. He even signed his signature in place of where mine wouldve had to go. My signature looks absolutely nothing like the signature that was forged onto the contract. Also, I'd like to state that I dont and have never had possession of this vehicle.
|
| 10/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American |
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I, XXXX XXXX XXXX hereby swear under penalty of purjery, that I am the sole complainant in this complaint, even so being I also gave and give my daughter permission to act on behalf of me due to my illness restrictions. I have consequently created the prior 2 complaints before this one, so I would appreciate you looking at the facts here sad they are presented by me, XXXX XXXX XXXX, This is difficult enough without having to create a whole new account here because this account is mine, XXXX XXXX XXXX, solely. Thank you. And again : I am not understanding I was not offered any relief under the class action against Santander Consumer USA, due to theirupside down high interest loans, high monthly premiums on a used XXXX XXXXXXXX XXXX, while applying with Santander Consumer in XXXX of XXXX. The government is allowing an already sinister company decide who and what loans should be forgiven or cancelled so Im sure that this company is not going out of their way to adhere to to helping me, as I have been deviously bilked on a high interest loan with a very low income to debt ratio is what I had to offer in becoming a co-signer only on this loan. My daughter was elbowed completely out of this originally created by her, high interest loan ands a trade in of her only vehicle, a XXXX XXXX XXXX, and no place on the contract. My credit score being a low XXXX ( Santander refuses to give me my internal score when requested ) a very low income monthly government benefit of only XXXX, so Im not understanding how I even obtained this loan originally created by my daughter after the dealership that gave her false hopes of an assurance that they could get her into a vehicle, no problems, and only on her good merits, however, explaining to them it being a complete waste of time for everyone involved due to her lack of credit worthiness and low income being of great issue also. Yet XXXX XXXX XXXX continued to barrage her with phone calls, informing her not to worry, they were XXXX by XXXX, they could do anything! So finally relenting to their pushy promises, she made a visit to this dealership. All the facts were presented, all the numbers drawn up,, her paid off XXXX XXXX XXXX offered as a trade in, exchange for a XXXX XXXX XXXX that they,, with all its promises pushed at her for a co-signer,, the Fusion they picked out for her as well.. She called me after much coaxing, knowing I would not agree to this. I felt a little put out on the spot, but out of respect for my daughter, I just bellowed, Sure.
Im XXXX XXXX XXXX with XXXX, & a little XXXX, & I live with my other daughter, who is my XXXX due to my living on just 25 % of my XXXX, and I am XXXX This dealership is at least XXXX miles away from me., but they were willing to drive all the way to my house in order to complete the paperwork on this loan. My daughter had given up her one and only vehicle for this loan and when they came down to my house to sign the paperwork, I noticed that I was the only name listed on the contract. After all their hard work and false pretenses, my daughter was squeezed out of this loan completely! Had even given her own car up as a trade in! This loan was pushed at me, much in the same way their promise to get her into a car was. XXXX from the start! Now this dealership had false intentions from go because truthfully? I was in the same boat as she was credit wise, with the same Government benefits. So I dont know what determined me the better signer for this loan, when she & I, are in fact, carrying the same financial & credit issues. So this whole deal seemed sinister from the start, & basically getting papers thrusted at my face, in all their harried rushing amidst my obvious confusion. So feeling comfortable was not what I was experiencing at this time. I found it extremely difficult to even begin to glance over any of the contract terms, finance fees, length of loan, etc., & basically nervouslly approved laughter coming from the dealer when I asked questions about this. So I signed away following each paper thrust in my face, & to this day I still dont know what had just happened, as well as a payment hardship that I am finding most difficult to meet, ( well were also talking about my daughter because she alone drives the vehicle, and pays the note, etc. ) she cant meet her bills, and I also without the strap even, cant meet my bills. We are both unable to refinance with any other company due to an @ upside down loan ( meaning the balance owed on this vehicle is more than the vehicle is worth ) plus+ an income to debit ratio so impossibly difficult to assess in with refinancing, determining i us an inability to pay, so were basically stuck paying on an extremely high interest loan for the next following 4 or more years left on it, and no sight of relief down the road at anytime. Santander knew of all these determinants wheni my daughter applied for this loan, and I have tried to no avail receive some kind of assistance from Santander about this. My daughter has since paid off all her credit defaults on all credit reports and her XXXX score has reached a fair XXXX, whereas it used to be down in the low XXXX, s, she still only receives monthly SSI benefits, however, even though she has faithfully for the post two years since this loan was first drawn up, managed to pay on this note with no defaults, its been extremely difficult, with her newly rented place and the many bills that come wtb her many responsibilities, she barely has enough to even make those, and others that just dont get paid, although they are of high importance, and later cause another issue with her credit, and after just paying off all her current defaults in clearing it all up? That would be such a shame, and how can she move to another place when she was lucky enough to get subsidized housing with her housing voucher this time. So this hasnt been easy, and with 4 more long years on this loan ahead, she is extremely worried shell have put these past over two years in, only to have it taken, and it has been difficult thus far in maturin maintaining this note. This loan was initially her deal, and to my understanding, I an just a co-signer who only steps in if she cant or doesnt make the payments, yet she isnt on the contract, and it was made that I bought the car. Neither Santrander, nor the dealership wont redo the loan and I can not make all my bills at this rate either. Im also fearful of the remaining 4 years needed to pay off this vehicle with all its initial, and present mechanical needs. Santander knew what they were getting into when they required me as just a co-signer, with all of their extremely high interest fees, with a whopping payment of {$510.00} a month with convenience fees to use her debit card, making it {$510.00} every month, and the dealership also making it difficult with no mandatory required Bond listed with the California DMV, and knowing dont have one when I asked for their bond company and number, they had no clue of what I was talking about ( and this was corporate office I spoke to! ) and the dealerships continuous verbal promises that never came and never will come true from the very beginning to this date, so I have no one to turn to even in this aspect. We are both strapped with this high interest loan with a great big old thumb on us, not letting us up for breath and a little relief. We feel tortured to the utmost and weve requested the smallest of relief from either/both parties concerned, to no avail! Please Help!
Note : The contract is very hard to decipher as they seem to always fade somehow, however, there stands my daughters signature on her XXXX trade in, and the remaining docs in my name, plus the high fees to register this vehicle every year. Only 2 of the documents are legible & clear, however, just a faded proof of contract to verify. I apologize. Thank you very much for your time & consideration in this matter. Thank you.
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX, XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AK XXXX CXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX On behalf of XXXX XXXX XXXX ( XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX l 8 % XXXX CA XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX AZ XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX.
XXXX XXXX CA XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX Inqused on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until Apt XXXX Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX SANTANDER CONSUMER USA Inquired on XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX AZ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Unspecified. This inquiry is continue on record until XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX XXXX loan. This inquiry is scheduled to continue on record XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquired on Inquired on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX DE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Unspecified This inquiry is scheduled to continue on record until XX/XX/XXXX Credit card with 0 Months repayment terms. This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX loan. This inquiry is Ccontinue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IL XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX.
XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Inquired XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX, XXXX OH XXXX has violated my rights XXXX
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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Prior to me sending this email I spoke to several representatives over the past year XXXX trying to get this issue resolved ; Santander Consumer has been paid off for over a year now. Initially I tried to refinance over a year ago but during the process Santander Consumer lost the title and the other lender was never able to record a lien on my vehicle both myself and the other lender has tried to reach out and get assistance from Santander but they continued to give the run around for over a year causing the other lender to come after me financially and ruin my credit by placing additional insurances on my original loan payment for having no lien ( my payments went from {$200.00} a month to over $ XXXX a month ( no easy I could afford that ) taking my credit score from XXXX to XXXX in just a few short months because my regular monthly payments were not satisfying the new full payment. I continued to try and reach out to Santander spoke to some managers but nothing discussed was ever done. I had to reach out to legal counsel to see my options, finally after all exhausted attempts to contact Contact Santander, the other lender changed off my loan and made out arrangements for the remaining balance to be paid to them as a unsecured loan. I have requested multiple times for a lien release letter from Santander so that I can sell back the vehicle and repay the other lender who now has no interest in my vehicle I have a regular unsecured loan with them now which I make monthly payments on. on XX/XX/XXXX I was told by a agent and a manager from Santander that they would send me a lien release letter within 7 days, but I never received it, so I reached back out to them and it was escalated to XXXX XXXX XXXX ( XXXX XXXX ) and weeks later when she finally reached out to me she agreed to also send me a lien release letter but I the document was unusable when I took it to the XXXX I then reached back out to XXXX XXXX with the following email.
Good morning XXXX XXXX, I am reaching out to you in regards to a lien release letter request that you and several other individuals in your staff received during the course of the past three weeks ; This initial issue occurred almost two years ago now. Myself, my spouse, and also several managers from my past lien holder ( XXXX XXXX ) have tried erroneously to reach someone of authority to resolve the issue created by SANTANDER. CONSUMER USA negligence. As we discussed on XX/XX/XXXX, I need a lien release letter for my vehicle in which was paid off over a year ago ; Santander lost the title and never sent it to the correct po box for the then lien holder. The credit union and I along with several managers and complaint letters have tried to get this document but were unsuccessful for several years until finally XXXXXXXX XXXX went after me this caused me to retain a consumer protection attorney due to this entire issue being Santanders fault. Because XXXX was never able to record any liens on my vehicle they released me from the then loan contract and settled with me outside of in mediation with my attorneys. I will be going after Santander for credit damages, and for the pain suffering this has caused myself and my family. When we last spoke XXXX XXXX, even you expressed how sorry you were for this entire experience and inconvenience after hearing a portion of the journey I have had dealing with Santander. I was transferred to you because I was told # 3 weeks ago that I would be provided a lien release letter via US Postal Service but that was never sent either, so in a effort to help the situation you sent me via email what was supposed to be a lein release letter however, it was just a copy of some unofficial document that was typed up a year ago??? So I went to speak to a manager at the MVA/DMV and after explaining all of this to theMotor Vehicle Administrationand presenting them with the document that you provided me with ( see your attached document ) ; the supervisor at the MVA suggested that I file a formal complaint with the Department of Transportation in the central liens department to have this investigated for multiple reasons, she also stated that they have nothing but title issues ALL the time with your company and its ALWAYS yalls fault in most cases, which I was already aware of because I researched all of the complaints, and lawsuits against your company. The MVA manager said that these are the reasons you are out of compliance and I should file the complaint.
1. You have given me this document that is not a lien release letter because somewhere in the verbiage it should state that Santander no longer has any security interest in this vehicle in which this is not stated anywhere ; 2. The document you provided me with is dated XX/XX/XXXX, I spoke with you on XX/XX/XXXX and that is the day I received this document from you and that is what the date should reflect ; as you being the professional should already know that the MVA can NOT take stale dated documents ; but you provided me with a year old document ; 3. There are NO Signatures or any agent names on the lien release document you provided me with and MVA will NOT accept any unsigned documents ; especially with no Name at all 4. A cover sheet needs to be provided with ALL lien release letters/ correspondences. I was advised by the MVA Manager that you Santander should already know all of this and that what you provided me with was not only unacceptable and looks fraudulent, but it was also very unprofessionally drawn up ; the MVA manager said if your company deals with liens then you should have already known not to give me a document like this to take to the MVA, in which I took off from work to get this done and I got no where, so once again Santander has completely wasted my time and we are so far past a inconvenience at this point I already disclosed to you that I plan to have my attorney file a lawsuit against Santander Consumer USA that is a given, but in addition to that I am also sending several copies of this email chain and attachment along with my complaint letter to your corporate offices, XXXX XXXX, US Department of Transportation, and the Consumer Financial Protection Bureau - my wife is a high level federal government worker with a lot of connections, she along with my attorney XXXX XXXX XXXX ; will be assisting me with the filing of these complaints. What I would like to have from you if you are still able to assist is the following ; the manager from MVA said she will need you to forward a corrected/updated version of the attached lien letter to the below fax number, please include a cover letter, a name and signature, the vehicle information **PLEASE REMOVE the verbiage subject to final reconciliation and accounting- there is no need for this statement because Santander has been paid off in full for over a year, there will be no further reconciliation. Please make the necessary corrections and fax the document XXXX ( Motor vehicle administration lien department ) **Please if you are not able to assist me then I am asking you to escalate this to the HIGHEST LEVEL OF AUTHORITY POSSIBLE! Please feel free to contact me via email or XXXX your earliest convenience as this is a pressing and urgent matter. Thank you so much for your time.
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| 03/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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XXXX XXXX first complaint letter sent for federal violations showing intentional violations as santander collection department notes said she would not honor the automatic stay due to the fact she saw I filed before and they want honor the one filed XXXX XXXX as they did not and repossessed my vehicle XX/XX/XXXX, after contacting my Attorney and then Santander, Santander Platinum department read collections notes and realized Santander Balantanly violated the Federal Laws after knowing an automatic stay was issued. Santander Agreed to return the vehicle, It was over 7 days before It was returned, I began communicating with Santander, Platinum department she indicated they were apologetic being I work and is a XXXX patient, Santander collector needed to know the laws.
Santander platinum, looked at the loan and informed me I paid all the money over XXXX and I am now paying interest only. I indicated the cost with interest is out rageous, so it was recommended I put in writing what I expect from Santander for their violations, along with dispute any fees of repossession since Santander should never have Ignored the Autostay by the Judge/Courts.
I agreed to settlement to waive the Interest that Santander is asking of me, the Loan Balance has been paid as I am informed. this is interest only.
That sounded Fair, as Santander Platinum said to send it o the proper department Executive Office, XXXX in the Executive Department said she will work on this settlement as they know the circumstances and my request to Waive the remainder of the Balance that is interest only, XXXX sent me a letter XXXX XXXX stating they have come up with the settlement, I called she stated I will get another letter as the amount santander agree to and if the balance will be waived. XXXX XXXX santander sends the same letter, they are working on resolving the matter.
XXXX XXXX XXXX, in Executive office, read all the notes said its been going on since XX/XX/XXXX, XXXX letters, other letters he sees that Santander agreed to Settlement but what amount is not shown, just the run around, I was told a final settlement offer as he knows I am looking for waiver of the interest only balance waived as settlement.
XXXX, and I discussed the violations are serious and the collector 's notes he read show the lack of maybe training as it will be address, but he assured he will get me final results as to my offer of settlement, as if I move forward to filing a legal complaint he knows the courts dont take lightly and the violations cost may exceed the Balance waiver as a settlement as I am requesting.
XXXX, did finally get back with me he indicated Bankruptcy said it was 7 days I went without a vehicle, I filed to many bankruptcies and they just did not honor the one filed XX/XX/XXXX, XXXX also stated Santander statement was I should not have suffered any damages for the 7 days and santander did release the car back to me, and was going to waive the repossession fees. This statement as I informed XXXX was Bold, and seems like a BULLYING STATEMENT, How can you tell me about what I did or did not Suffer after 7 days, I am in Real Estate and I must move around in this business Not sit at the desk, I am a XXXX patient that goes to XXXX, XXXX appointments, my doctors are over 50 miles away, the XXXX XXXX XXXX XXXX is in XXXX Ms , over 60 miles from my rural home in XXXX.
Santander, XXXX Executive Office said santander offer me a Atonement Settlement for their actions, I asked what is Atonement Settlement, he spelled it to me as I requested.
Atonement Settlement? Not the Waiver of the Interest Only Balance as I requested for their Blatant Federal Violations and inconvenience send my life topsy turvy.
Atonement Settlement Offer from Santander, How much I ask? what is Atonement Settlement as everyone is reading in the notes when I call but, Put it in writing as to the settlement, send me as a COUNTER OFFER Since we began to open the settlement doors, Santander Never Counter offer my settlement offer to waive the interest only balance, nor did they put the Atonement Settlement offer in writing as they legally should have.
XXXX XXXX still no Settlement, or as santander wording Atonement Settlement offer amount still never provided.
XXXX, Santander Platinum department read the notes as to the executive offer showing Atonement Settlement but she did not see a dollar amount they offered, I informed I am in agreement to the waiver of the interest only, as that seems fair as I am legally informed for santander violations, along with it shows santander still giving the run around on this serious legal matter.
XXXX XXXX, XXXX Supervisor Santander picked up he also read the notes he sent a email asking the executive department to give a Atonement Settlement amount, as XXXX agreed as I never heard of Atonement, I asked my Attorney she said over 20 years a bankruptcy attorney she never heard Atonement Settlement, but Santander must put it in writing as you were under the Bankruptcy protection laws as they were speaking with me since XXXX without the authorization. XXXX agreed and said yes he can discuss, he was sending in a request to send me in writing the offer that is in the notes as Atonement Settlement.
XXXX XXXX gave me a to ESCALATION Reference : XXXX for Settlement offer in writing, showing as counter offer to my offer in complaint.
XXXX XXXX Santander has yet to send the Offer of Settlement as they stated Atonement Settlement.
Exhibits to attached upon request : XXXX XXXX first complaint with settlement offer to waiver of interest only fees XXXX XXXX response letter XXXX, executive office call about settlement XXXX XXXX response letter via email santander acknowledgement of complaint XX/XX/XXXX response letter via email santander acknowledgement and to call I did we continue to discuss settlement XX/XX/XXXX response letter same wordings XXXX XXXX My follow up letter to santander consumer usa as to they ignoring open complaint, settlement etc.
XXXX XXXX Letter to Santander consumer usa as to putting the amount of settlement offer they say is Atonement Settlement please give dollar amount?
XXXX XXXX Final complaint letter as to how Santander consumer usa are continuing poor consumer services, continued violations of federal and state laws even as it pertains to Consumer complaints and legal rights, Santander offer a settlement but NEVER A dollar amount, so that I may have for my records they offered and I accept it or denied as XXXX, Santander Executive office indicated I needed to do. if I did not except then he gave me the Legal department address only. Santander need to show the Settlement offer amount?? as I am looking to move forward and this Settlement offer amount is of paramount importance.
I have done everything I am informed to do as to the communication with Santander but to no avail, Santander consumer USA seems to continue violations of the legal rights.
I have been informed to send this case to this department, as it can be sent to the other federal agencies for further consumer protections actions.
Thank you
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| 01/31/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Older American |
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Santander Bank NA has denied my requests for written communication and a two-way written response process in violation of the Fair Credit Billing Act and has misrepresented issues to extremes that warrant probe of Santanders willful deception.
1 ) Santander reversed a phony {$63.00} charge XXXX XXXX, XXXX, from XXXX XXXX (? ) for alleged XXXX service I didnt order and didnt receive. Santander was satisfied on or about XXXX XXXX that my account was final when it accepted my full payment to close that account, as I had requested since XXXX. After XXXX XXXX, Santander resurrected without notice or explanation that XXXX XXXX charge as a line item on a new card issued later in XXXX. This is now a new dispute because 1 ) Santander is the culprit, and 2 ) its a different account and outside the 90-day original dispute window.
I reported to XXXX its phony order ( acknowledged as a redundancy due to its internal technical issue ) on or about XXXX XXXX. XXXX told me it corrected its error and no billing would occur. I happened to see its illegal XXXX XXXX wire transaction in violation of its verbal agreement when I accessed my Santander account online about the first week of XXXX. I immediately called XXXX, whose rep said it canceled that ghost account and would return the charge to Santander. XXXX alleged the attached case number proved it. I called Santander to report fraud and inform that XXXX alleged refund was on the way.
About two weeks later, still seeing the charge, I called XXXX again. The woman said she was returning the money in that moment. When I asked for a confirmation number proving and date-stamping the precise charge-back transaction for Santander, XXXX agent became dodgy and wouldnt respond with professional language about her charge-back process. I no longer perceived XXXX as a law-abiding company. I dont think this relates to XXXX published assertion of an email fraud scam on it, but if it does, the criminal scammed Santander independently. I decided not to renew annual service expiring XXXX XXXX, and then discovered XXXX prohibits deletion of payment data AND, despite its legal disclosure claim, prevents electronic self-removal of auto-renew authorization. I notified Santander and asked for the card account that XXXX had to be closed immediately and a new card issued. Santander denied my request but promised it would prevent further XXXX charges by issuing an account block.
2 ) Santander made itself a conspirator in fraud by processing a second, {$130.00} fraudulent XXXX charge on XXXX XXXX in violation of its own block and in violation of my explicit prohibition. In ample diligence, I even called Santander again precisely on XXXX XXXX to warn it that XXXX would try to make this fraudulent transaction on that day, which XXXX did some hours later. Santander chose to give, allegedly, XXXX {$130.00} later that very day contrary to my repeated binding testimony to XXXX before and XXXX XXXX XXXX that I did not make a purchase or authorize the charge.
Im Santanders legal client with its fiduciary accountability, yet Santander contends it gave XXXX money in my name and in doing so, authorized XXXX to harass me for another year! -- on the word of third-party XXXX as superior, in Santanders opinion , to my direct in-person, timely first-party testimony that I did not authorize any business with XXXX since XX/XX/XXXX.
As such Santander has conspired in 18 USC 1343 wire fraud.
If Santander were innocent, it would use my substantial documentation and depose my testimony if necessary to claw back the money it alleges it gave XXXX. It is capable of taking its money back!
However, XXXX consistently has told me and told Santanders fraud supervisor on XXXX XXXX, which XXXX audio recorded and offer for prosecution that XXXX has promptly returned those fake billings.
I do not know which company is lying, or if both are, but both are acting deceitfully and in bad faith.
3 ) Despite my persistent requests since my first dispute contact, Santander has eschewed written correspondence and denied my many requests for a mail or email address to submit my evidence. On XXXX XXXX, I was finally given a t2followup email, to which I immediately sent ample evidence, including the refund confirmation that Santanders own fraud supervisor requested from XXXX on XXXX XXXX that I confirmed I received. My emails returned incomplete read-receipt requests and no reply at all.
Today, I received a regular XXXX reply to my XXXX XXXX phone escalation. Santander illogically and absurdly states : we determined no billing error occurred because the documentation provided by the merchant or reviewed during the investigation verified that you authorized the transaction and Upon your request, we will promptly provide you with copies of the documents we relied on. I dont have immediate access to a scanner to include it here.
Ive already requested and have been promised this proof at least four times, including in person from my branch manager when I closed all of my Santander accounts, a
ll without compliance. If Santander has proof, it was responsible to provide it 4 months ago without upon your request. This is nuts!
4 ) I believe todays letter is proof of, at best, a bad faith scheme to circumvent 12 CFR 1005.6 : : ( 1 ) Timely notice given. If the consumer notifies the financial institution within two business days after learning of the loss or theft of the access device, the consumer 's liability shall not exceed the lesser of {$50.00} or the amount of unauthorized transfers that occur before notice to the financial institution.
Certainly, notifying Santander before the bank allegedly submitted to an unauthorized transaction and again instantly upon learning it complies with my limited liability. Ive spent at least {$50.00} on photocopy and certified/priority mail costs to elevate this to CEO and authorities attention, driven by Santanders legal noncompliance. I owe nothing. I wish no further business with either Santander or XXXX.
**** It is insufficient for CFPB to merely forward my complaint to Santander and publish results, and do nothing more. This must be elevated for prosecutorial investigation. I am a superior witness. Ive retained even more evidence than Ive shown so far, including multiple audio recordings.
I have spoken about this with senior-services and consumer professionals who tell me theyre alarmed by this Covid-era pattern of banks and financial institutions devolving compliance with consumer laws.
Banks, investment firms and others seem to have designed schemes around small technical details, like unidentifiable receipt days or no immediate answer on a secondary phone line, to excuse themselves from laws. They rely on authorities believing Big Bank over Miss Consumer defamed as without faculties.
This pattern of misbehavior must be confronted. XXXX XXXX designed CFPB to do that. This requires more attention than mere paper shuffling. I hope CFPB will attend to this cry for help from all of us.
|
| 01/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I am writing this letter to complaint against the one sided unprofessional actions which had caused me serious issues frustrations and real pain which has ended after the bank sold out my car without giving me any options neither offered any kind of assistance.
I bought XXXX XXXX XXXX car on XX/XX/XXXX from XXXX XXXX XXXX XXXX on financing through Santander Bank XXXX. My monthly installment was XXXX. After the XXXX hit our country on XX/XX/XXXX my family was faced very difficult times in terms of financial hardship as my husband lost job as basically my husband was paying the my car installments so we faced hardship throughout the year and we were kept paying whenever we have money also extended contract to get some relief.
The issue started last year XXXX where we missed out some payments due to my husband self employed business and job was in crises but still we were paying installments. In XX/XX/XXXX my car was stolen by my husband friend and she was disappeared with the car. My husband had reported stolen to XXXX Police station as he is the authorized person on behalf of me and he is the XXXX always speaking to bank about payments and he did informed the bank when car was stolen so bank knows but kept insisting to pay installments but my husband explained several times to bank caller that he will pay as we do not have money to pay. After two months car was recovered by XXXX Police and when we got the car it was real damaged so we claimed the insurance and after month the car was in drivable condition. On XX/XX/XXXX car was repossessed by bank and during the weekend and about 3 days later we actually had no idea where the car was as when my husband called the bank said no information. After around 4 days bank has confirmed to us that car picked up by them due to non payment and immediately after my husband who is the authorized person on my behalf he kept calling to bank to see how much payment was required to return the car. When my husband XXXX XXXX called the bank and asked about how much payment is required then the staff informed us that we need to pay around XXXX Dollars plus some other charges to retain the car. My husband had borrowed money from his friends and arranged money around XXXX dollars and to be very honest it was very difficult to arrange money since my husband business was in total loss and he do not have any job as well, so we managed some money. When My husband called back I believe same day in the evening the same person who informed us about payment to retain the car without speaking to my husband transferred the call to his supervisor Lady and when my husband asked that lady how he pay the amount quoted by male staff of the bank in replied the lady who introduced she the supervisor talked very rudely and gave us the shocked statement that we have to pay the full amount owed to bank around XXXX dollars to release the car. My husband kept insisted her that just hour ago the staff told us the amount we didnt remembered the name of person but she know who transferred the call deny to provide his name he was male person. My husband argued her and provided all the information to her that our car was stolen and the situation but she rudely denied all the explanations and kept saying that no options is available to pay car except full payment. We both got real shocked and surprised to hear all as when husband was speaking on phone on speaker so I also heard what she said and after having long arguments with my husband we requested to speak manager so we can explained what we faced in terms of his agent quoted something and after the decision got changed drastically and no options was offered. After holding long wait there is another lady who introduced as Manager on duty my husband again explained the entire scenario and focused the quote by agent about to arrange payment to release the car. She backed up her supervisor and after listened our statement she also said the same thing and surprisingly she do not wanted to hear the fact that your staff quoted the information since morning and now when we arranged the payment on same day they changed their decision. She said something weird information which we never heard neither written in finance contract that IF THE CAR REPOSSSED BY BANK TWICE IN ONE YEAR THEN WE WILL NOT PROVIDE ANY OFFER NEITHER GIVING ANY OPTIONS TO PAY OR CLEAR DUES EXCEPT FULL PAYMENT. My husband told her YES in XX/XX/XXXX car was repossessed but after we paid and clear the dues but we are not aware of this rule or policy where you did not provided us any kind of mercy in terms to pay or clear dues whichever left as monthly installment to get the car back.
After she kept denying and not accepting fault from his agents my husband asked to whom we write complaint in writing so she provided the address so we closed down the phone. After few days we got the letter on XX/XX/XXXX Notice to sell and immediately after we had wrote a letter in response of this letter to the bank and requesting to consider our request but bank did not replied to our letter at all as we had sent through certified mail to the address who handle customer requests.
Again the bank showed their arrogance and one sided decision making without offering us acceptable offer. It gave us surprised after surprise and me and my husband tired and thought no one will help us to see what banns is doing with us. I attached finance agreement, letter to bank what we wrote to request and the bank 2 letters one was notice of sale and 2nd one after sold the car and put debit on me. Kindly check the finance agreement where it has written very clearly that if car repossessed bank should provide options to retain car and accordingly sale the car if the customer did not willing to pay offered by bank but in my situation no offer was made that was only stupid offer to pay off XXXX in one shot to release the car and to be honest with you this is absolutely stupid and unreasonable offer.
Basically that was not the offer just pushed the customer on the wall as they decided to sell out car to get money back. Please also review the contract and you will not find out any clause in the car repossession section that if car repossessed twice in a year then bank will not offer of settlements just straight go to sell out car without any dues clear option. I also attached the payment transactions history where you can check we paid in XXXX XX/XX/XXXX USD to clear dues after repossessed and then paid installments in XXXX XXXX / XXXX XXXX / XXXX XXXX/ XXXX XXXX / XXXX XX/XX/XXXX.
Kindly investigate this matter and check the call recording from XXXX XXXX till XXXX XX/XX/XXXX and I called from my husband cell XXXX then you will find out exactly what was the conversations with my husband to different agent which includes multiple agents, supervisor and Manager..
|
| 11/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Greetings CFPB I hope this message finds you well. I have been in correspondence with Santander Consumer USA since XX/XX/XXXX. Initially I sent a payout amount for the asking price of {$26000.00} by money order through certified mail. I recieved no response and nothing was credited to my account. I called and was told it was lost in the mail ( which I have recorded ). According to postal rule the fault is mine for not attaching a return receipt. Afterwards I became aware of a billing error and informed Santander of the error and attached was another money order in the same amount the letter was sent by certified mail with return receipt on XX/XX/XXXX and signed for by XXXX XXXX. I also informed Santander that due to trouble with my phone I would no longer be able to answer phone calls and would like to receive their replies through mail or email. She informed me that she would place me on a do not call list. I never received a response in mail or email. I sent another notice stating that I never received a formal reply and gave in detail again the error found and recognizing that Santander never credited my account or gave an explanation as to why my account was never credited. I have not received a reply from that either. So after I was dont with Santander harassing me with phone calls over ten calls in a 5 day period I used my brothers phone to call them. I was told that they never received a letter we reviewed the address and it was correct I told her that I was put on a do not call list and never received a formal written response. I sent a money order through certified mail with return receipt and it was received by XXXX She disregarded the facts and said she would be sending my contract higher up. Its been over 20 days and I havent received a a response to my call on the XXXX of XXXX or my most recent letter sent XX/XX/XXXX with return receipt. Below is my letter I am writing you this letter to provide you formal notice that invoice No. XXXX on billing error notice for account number XXXX statement dated XX/XX/XXXX error with total amount due {$1900.00} sent through certified mail dated XX/XX/XXXX has not received a formal written response. On XX/XX/XXXX I sent through certified mail with a return receipt a billing error notice stating my down payment was never subtracted from the total finance amount. Attached was a letter notice XXXX and A money order for the payout amount {$26000.00} the mail was delivered on XX/XX/XXXX and signed for by XXXX XXXX XXXX Santander Consumer USA XXXX Extinguishment of Obligation Chapter 4 article 1256. If the creditor to whom the tender of payment has been made refuses, the debtor shall be released from responsibility by the consignation of the thing or sum. I have not received a written reply and the Money Order in the amount of {$26000.00} has not been credited to my account. I have stated in previous invoices that upon inspection of my Consumer agreement I see that my consumer rights have been violated.
In XXXX at the age of XXXX XXXX XXXX XXXX XXXX XXXX I decided to purchase my first vehicle. I went to the XXXX dealership to buy a XXXX XXXX XXXX. After telling me that I was approved by Santander Consumer USA for a financed amount of {$17000.00}. XXXX dealership asked for a down payment of XXXX XXXX dollars stating that it would seal the deal. I reluctantly agreed and was escorted to the financier XXXX XXXX, former employe of XXXX. he scrolled down his screen and had me sign each page. This was my first car as nervous and clueless as I was. Nothing was ever explained to me and when I asked a question I was told it's information no one reads.. Only finding out two months ago that My XXXX XXXX dollar down payment was never subtracted from the total financed amount. Which is a requirement pursuant to 15 U.S. Code 1638 ( 2 ) ( iii ) Instead XXXX XXXX, the former Financiar at XXXX dealership, added insurance packages and fees that I never requested, and deducted the cost from the down payment then added those same insurances into the total financed amount. Putting the total financed amount at {$27000.00} my APR stayed at a high 17.67 % and my monthly payments never dropped ; it also stayed at {$630.00}. Which is Predatory Lending and violating Equal Credit Opportunity Act ( ECOA ). This law makes it illegal for a lender to impose a higher interest rate or higher fees based on a persons race, XXXX, religion, XXXX, age, marital status or national origin. I was taken advantage of because of my age and lack of knowledge of contractual procedures which wasnt made clear to me any step of the process. XXXX XXXX and Santander Consumer USA failed to meet the requirements of CFPB 1026.5, 15 U.S. Code 1605, and failed to meet the requirements of 15 U.S Code 1638.
I have informed Santander Consumer USA multiple times to please address all future correspondence in the matter of writing and i do not give Santander Consumer permission to contact me by phone. Santander continued to call to the point of harassment. Over 10 automated calls in a 6 day time frame.
On XX/XX/XXXX I sent Santander Consumer USA a second notice stating that if I did not receive a written reply with corrected errors or stating that the errors are true and correct with the original contract showing the breakdown of the total financed amount, payment history, and my signature then, Santander Consumer USA would be violating the requirements of the law pursuant to 15 U.S. Code 1638 ( B ) it had been 15 days since second and third invoices by law Santander Consumer USA failed upon written request to provide an itemization of the amount financed. By law Santander Consumer USA is civilly liable to me pursuant to 15 U.S.Code 1640.
I will be reporting Santander Consumer USA and XXXX Dealership to the Consumer Finance Protection Bureau. Violating the requirements of the law pursuant to 15 U.S. Code 1638 ( B ) by law Santander Consumer USA failed upon written request to provide an itemization of the amount financed. CFPB 1026.5 The creditor shall make the disclosures required by this subpart clearly and conspicuously and 15 U.S. Code 1605 Finance charge defined ; Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit.By law Santander Consumer USA is civilly liable to me pursuant to 15 U.S.Code 1640.
UCC 1-308
|
| 06/08/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX Dear Sir Madam XXXX On the above date and around XXXXXXXX XXXX I went to Santander Bank is located at XXXX XXXX XXXX XXXX XXXX NJ XXXX. Account # XXXX seeking services and help from the bank workers.
XXXX Once I entered the bank door, then I informed the bank window taller XXXX XXXX that I want to do wiring transfer to mortgage company from my account as I have a closing for purchased property required this transfer ASAP before my closing time.
XXXX XXXX XXXX kindly with smile as usual walked me to his Bank officer.
XXXX I explained to the officer named XXXX XXXX my request and the type of services I need.
XXXX XXXX asked me how much the amount I want to transfer with an anger tone, even failed to represent himself to me to know who the person is I am giving him my personal information.
XXXX Once I informed the worker that my closing cost is {$200000.00} immediately put me in sharing trouble and address to me that his position as relationship Banker limitation in maximum {$100000.00} only. BUT IN ORDER FOR HIM TO ALLOW ME TO TRANSFER {$200000.00}, he will need his managers approval. Since his manager was not there, he informed me that he will call other branches managers to have XXXX of them approved.
XXXX While he is talking to his management, I heard him said to his co/ worker on the phone I do not know the limit and I have no pom, I was not sure what poms means but I told him I will call the bank head quarter to ask them to approve it then you can process in the branch. The Head quarter representative informed me that there is no need to limitation approval as I wired back in XXXX the amount of {$500000.00} by the same bank branch done by XXXX. XXXX XXXX.
XXXX I handed my cell phone to XXXX XXXX to get the approval, then XXXX XXXX requested my driver license and my credit card to start the process, which he got it. He also sent to my cell phone XXXX time pass code # XXXX on XXXX ; XXXX XXXX and asked me to read the passcode to him. Then he turned around and say to me, { I WANT JUST TO EXPLAIN TO YOU THAT WHAT YOU DID TODAY IS SHOWING DISRESPECT TO ME }, I replayed to him { it does not matter now who fix the issue and the approval, it should be your job not my job, I am a customer, and I am here to receive services ].
XXXX XXXX. XXXX XXXX said I will not provide services to you, I told him you denied my services by the bank because I get contact to the headquarters, before I finish that sentence I found another C/o worker comes to his desk then they started to speak other language different than English, I think was Spanish, I think that they were talking about me, but I was not sure what they said until he told me this person is the bank assistance manager.
XXXX She asked me what the matter was, and I explained to her that XXXX XXXX XXXX was unable to provide wire transfer even after the bank approved the service!. SHE SAID HE HAS THE RIGHT TO REFUSE TO PROVIDE YOU WITH SERVICES BECAUSE YOU DISRESPECT HIM. I replied to her I AM A CLIENT WITH THE BANK FOR OVER XXXX YEARS I NEVER DISRESPECT ANYONE AS YOU SAID, YOU WERE NOT HERE TO DETERMINED REJECTION TO MY SERVICES. CAN I HAVE BUSINESSC ARD FOR EACH OF YOU AS I AM GOING TO COMPLAINT TO FDIC, CFPB AND THE BANK HEADQURTERS XXXX That Femail named XXXX XXXX XXXX Branch operation Manger ) XXXX It seems like they both note my account with something after I left, the reason I think so is once I contact the headquarter again on my way walking to my car seeking services from other branch who may have people work for business not for themselves or support each others in errors to just look good among themself no matter what the bank business required.
XXXX I was able to receive my services I requested by visiting another Branch located at XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX work done successfully in a very short time by XXXX XXXX XXXX XXXX, I was able to catch my closing company for my purchased property.
Since last XXXX month I visited the same branch for deposit, while the taller was count my money to generates deposit to my account, then XXXX XXXX XXXX walked to the taller from inside the tellers window and asked me to provide dept card or ATM card, I told him I DO NOT HAVE ONE The XXXX XXXX XXXX told me if you do not have card I will not be able to give you services in the bank, at this moment I asked him WHO YOU ARE since I never met him or see him in the branch, he said I am the bank assistance manager and never say his name, he also said I WILL ORDER AN ATM CARD FOR YOU TO BE MAILED TO YOUR ADDRESS. I said to him I do not want because I had XXXX before and I lost it caused me {$5000.00}, when I reported that to bank previously, they denied any responsibility about my losing of the card.
Even after I explained my side, he still tried to use his authority to threaten of denying services. I asked his manager who came out to the window also apologized to me and did his part for my satisfaction, but XXXX XXXX XXXX kept repeat I have experience of XXXX years work at the bank. His experience does not mean anything to me as a customer with the bank.
Dear XXXX Madam As you can see from the above complaint that I feel like I was discriminated against my nationality by XXXX XXXX XXXX and his branch operation manager XXXX XXXX XXXX whom used their skills of Spanish Language to determine denial to my service.
Both caused me trouble finding another branch to do business with the bank. I must drive far from my residence to get the services because I must pay for another parking fee.
For past [ XXXX years ] customer with the same bank may be before XXXX XXXX XXXX born. If I am disrespectful to any of them, you can please review bank cameras and consult the XXXX XXXX Branch manager who handled my services today.
XXXX XXXX did not respect my age or my XXXX condition or the bank who works for it.
I am doing business all these years always provided to me within a short time and full respect from XXXX XXXX XXXX who really knew most of the branch clients dealing with all with patience and respect. unfortunately, XXXX XXXX XXXX was off today, that is why no one else was able to serve us as customers as she always does.
I am seeking legal action and management to respond to my complaint.
Best Regards XXXX XXXX XXXX
|
| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On the XXXX XXXX XXXX XXXXXX/XX/XXXX, I XXXX XXXX signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase XXXX XXXX XXXX XXXXXXXX XXXX XXXX vehicle identification No. XXXX under customer Account XXXX XXXX, at the finance amount of {$24000.00}, finance charge of {$15000.00}, XXXX of XXXX, total sale price of {$42000.00} and a down payment of {$3000.00} for 72 months. My monthly payment was XXXX as a result. For the last four months I have been trying to get answers, going back and forth with Chrysler Capital and XXXX XXXX XXXX XXXX, since finding out that per 15 U.S. Code 1605 a finance charge is a sum of all charges and cash is not a part of a finance charge ( 15 U.S 1679a ) which constitute fraud on their part. The {$3000.00} dollar down payment should have gone to the finance charge but however, was kept by the dealership which I verified with Chrysler Capital.
I also found out that I had a Right Of Rescission which which I wasn't given disclosure of.
I have been learning about credit since I am not really from this country and went to check my report only to find over 15 enquiries done through XXXX XXXX XXXX which I did not expect to be so many, had no idea that they shop it around like that, and would not have authorized. This has affected me negatively since I have since tried to apply for apartments and funding and have been denied.
List of enquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Of the above list of hard enquiries the only valid one is Chrysler Capital who extended me the credit .
However the bureaus have refused to remove them from my report.
I called Chrysler Capital to put in a dispute several times, was transferred to the executive office where I spoke to an employee by the name of XXXX XXXX ID # XXXX who refuse to give me a full disclosure of the account ledger for my records after getting no where with my complain about XXXX XXXX XXXX XXXX. I also asked to get a copy of a document with Chrysler Capital showing Permissible Purpose I gave them, the authority to report to my credit file which Violates the Privacy Act. XXXX XXXX basically told me no and threatened me that my vehicle would be repossessed, and asking me if I can afford a lawyer ( which I took as a threat ) which I am pretty sure is also another violation of my rights.
I then preceded to send a " Right Of Rescission Notice '' to both XXXX XXXX and my sales person at the dealership ( XXXX XXXX ) on XX/XX/XXXX out of frustration. I got no response from either parties. The Dealer number of my Vehicle Buyer 's Order is XXXX, customer # 131270 Month XXXX ( XXXX ) I am again calling Chrysler Capital. I spoke to a XXXX ID # XXXX, in the executive office again, who said he escalated my complain for a " courtesy correction '' to the dealership escalation department however, I did not get any next steps after being asked what evidence I have I was violated. I said a contract and billing error stating everything I stated above. Again I was pretty much dismissed and even still, they are reporting and ruining my credit while I have an open billing error dispute which constitute racketeering.
Other violations I have in the XXXX is a clause that says " You, the buyer ( and Co-buyer if any ) may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under this agreement. it says " cash or on credit '' not " cash and credit ''. further it says " you choose to buy this vehicle on credit '' so any cash charge is a violation of what a finance charge/credit is. I believe this renders the contract null and void and the arbitration clause contained within won't hold in court.
I was led to believe that I had to put {$3000.00} dollars down which is not the case in a consumer credit transaction according to my comprehension.
Furthermore, I tried again with the XXXX XXXX employee XXXX ID # XXXX to request full disclosure of the accounting ledger since the origination of my account, Proof Of Title, a copy of the security instrument showing my interest in the transaction and was told by XXXX, just as I was by XXXX XXXX ID # XXXX that this is not something Chrysler Capital provides to customers. I wanted those documents for my records and a copy of whatever authority I gave them to report to my credit profile which they told me they don't have. Full disclosure refers to the general need in business transactions for both parties to tell the whole truth about any material issue per the SEC and Federal Statutes. I have therefore canceled my signature per 15 USC 1635 for failure of material disclosure, conspiracy to defraud ( Between Chrysler Capital and XXXX XXXX XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
( I chose to share this with consumerfinance.gov so I will not share the contract here unless I get some feedback about their email disclaimer saying that whatever information shared with me is private and should not be shared ).
Thank you
|
| 08/02/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Santander has fumbled assistance in every way possible and caused egregious stress and heinous amount of work for me to keep up with their ineptness.
AFTER ALREADY EXPERIENCING ISSUES, I started keeping a conversation log of my discussions with Santander XXXX XXXX. Here are the payments and actions amde over the lifespan of the mortgage Date paid Amount XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forebearance. Deferral option " time stop '' no activity on account no fees no penalties no negative impact.
XXXX Given 3 month windows to reassess situation. Full 12 months were allotted plus constitutional 6 months for XXXX total.
XXXX XXXX principal XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX started initiating conversation with XXXX but asked to wait XXXX weeks for paperwork XXXX XXXX Re-initated conversation since they were clearly disorganized or lost.
XXXX Started taking notes on calls to protect ourselves XXXX Continued trying to re-initiate XXXX Continued trying to re-initiate XXXX Continued trying to re-initiate. Made " good faith '' payments to help them re-initiate mortgage. XX/XX/XXXX we were accepted into " trial period '' ... because good faith payment was XX/XX/XXXX it was NOT counted XX/XX/XXXX This one was NOT counted towards " trial period '' XX/XX/XXXX This one WAS XXXX XXXX Balance of XXXX to equal XXXX XX/XX/XXXX XXXX This was " processed '' on their side in XXXX and so they canceled the trial period incorrectly. I have screenshot from XX/XX/XXXX showing payment and resceipt by XX/XX/XXXX as well as a phone call.
XXXX XXXX NOT counted. No paperwork disclosing where this money went.
XXXX Instructed to await response. Instead were met with foreclosure lawsuit paperwork XXXX Had to prove payment. XXXX into new " trial period for XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX trial period " completed successfully '' Modification plan submitted but with increased rates and increase term.
We were offered a deferral / forbearance option to deal with the fact that I lost my working capacity due to an injury at work. Then my XXXX was postponed by XXXX restrictions. By the time I got XXXX, the damage was significantly worse. Recovery time was added and I tore my calf 6 months into rehab. It had atrophied.
I was promised ( double- and triple-confirmed ) that this would act like a " Time STOP '' and that we would be able to resume payments. I was also offered three options upon reinstatement.
1 ) pay lump overdue amount and resume as normal 2 ) take that lump amount and push it to the back end of the mortgage, due upon maturity 3 ) " flex modification '' that would extend the mortgage to a new 40 year term to drastically lower payments.
To reinstate, we had to chase Santander around the block! We called and called and tried to reinstate. Finally, we got sick of the runaround and declared to them that we would start making " good faith payments '' for {$1500.00} starting XX/XX/XXXX. We made another in XXXX when they finally accepted us for a " trial period '' to show that we were willing to pay since we had missed so many ( even though we had been trying for MONTHS to resume. ) I successfully paid XXXX payments of XXXX. I called in XXXX to confirm that we were reinstated. I was told to wait for XXXX weeks while they process this information and prepare a new flex mod option.
I waited and they slapped us with foreclosure proceedings!!!
I called back and they halted foreclosure and started a new trial period, saying we had missed a payment on XXXX deadline ( I have screenshots of the payment confirmation and a confirmation call to them to assure we had not. This was XXXX! ) New Trial Period was confirmed for XXXX for a new higher amount. We paid on the first day possible of every month to avoid any discrepancies.
Now we are slapped with " Terms and Conditions of Modification '' that must be returned with 15 days ( we were promised negotiation, specially which type of reinstatement, but also that we could work with a processor to figure out length and terms, etc ).
Within this document there are ridiculous fees including : 1 ) PMI ( we owed XXXX on a XXXX AKA 33 % equity while only 20 % is needed ) 2 ) Escrow estimations of XXXX + XXXX when our actual monthly costs are XXXX XXXX ) " Property Preservation Expenses '' for the foreclosure proceedings that were initiated BY THEIR ERROR and they want to charge to us {$2200.00} 4 ) The principal balance is listed at {$250000.00} even though our " time stop '' amount was {$260000.00} and we've paid {$13000.00} 5 ) They promised there would be no penalties or late fees although we've seen them on our statements and they used these good faith amounts to pay off phantom fees!
6 ) And now XXXX XXXX, the processor on the account, has promised us callbacks by Friday night, by Tuesday, and by Today yet called exactly 0 times.
We have tried to resume payments and do their work for them at every step of the way. We have had to take loans, pay interest, pay phantom penalties, pay their mistake fees, all while under the DURESS of losing our home. This has been the worst consumer experience of my life, and it's not close! They should not be allowed to do this...
Time lost, time off, and opportunity cost of effort I estimate the total time I've spent with them on phone calls alone to be worth upwards of {$7000.00}. If that is extrapolated to the mortgage term and adjusted for inflation, would be worth ~ {$100000.00} in 40 years...
|
| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
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Web |
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I applied for a XXXX XXXX XXXX with XXXX XXXX XXXX of XXXX onXX/XX/2023. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter which was from XXXX XXXX. I reached out to Santander Consumer USA ( one of the lenders ) which is directly connected with Chrysler Capital. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XXXX XXXX, 2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up but I informed him that I wanted to accept the approval from Santander/Chrysler Capital being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law but he proceeded to press the issue that nothing could be done without it. I proceeded to contact Santander/Chrysler Capital about removing that condition since it was not required by law, unfortunately, the department was closed and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that particular lender. He said he looked forward to it. Monday morning I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with Santander/Chrysler Capital was automatically denied. Since they work directly with the lender 's credit department I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX only two of them ( XXXX, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXX XXXX, 2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims.
In conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.
|
| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I applied for a XXXX XXXXXXXX XXXX with XXXX XXXX XXXX of XXXX on XXXXXX/XX/2023. I was told by a representative of the company ( sales agent/finance manager ) that they had only run my application with one of their lenders which was false information. They presented my application to approximately 6 of their lenders. I was also told after the application had been submitted that I was denied by the lender/lenders which was also false information. After 28 days I decided to call the lenders that they had claimed denied my application. It had been nearly 30 days and I had received only one adverse action letter, which was from XXXX XXXX. I reached out to Santander Consumer USA ( one of the lenders ) which is directly connected with Chrysler Capital. I called for more information regarding my application ID and the adverse action letter that I had not received. I was given the number to the funding department and was told by one of the funding department 's customer service agents that I had in fact been approved after retrieving the application ID using my social security number. I was supplied with three different application ID numbers. There were two conditional approvals and one regular approvals. I will be happy to provide those IDs if required. The regular approval was estimated at {$23000.00}. The first conditional approval was estimated at around {$71000.00} and the second conditional approval was estimated at around {$55000.00}. According to the Federal Fair Lending Regulations and Statutes- Equal Credit Opportunity, neither the dealership nor the lender gave proper notice of a favorable amount approved so that I could exercise my right to accept or decline the offer extended by the lender. This led to my application expiring. I contacted the dealership to alert them about the lack of notification and the false information that I had been given on XX/XX/2023, and was referred to a finance manager named XXXX. He informed me that he'd get another application drawn up, but I informed him that I wanted to accept the approval from Santander/Chrysler Capital being that the application was not yet at the 30-day expiration date. He told me that he could not get approval from the lender unless I agreed to supply money for the finance charge that the lender was requiring. I informed him that a down payment/finance is the sum of all charges, and the charge does not include charges of a type payable in a comparable cash transaction, so it is not required by law. 15 USC subsection 1605 determination of finance charge. He confirmed that it was not in fact required by law, but he proceeded to press the issue that nothing could be done without it. I proceeded to contact Santander/Chrysler Capital about removing that condition since it was not required by law, unfortunately, the department was closed, and I assured the finance manager that we could proceed Monday morning when the funding department was open so that we could proceed with financing with that lender. He said he looked forward to it. Monday morning, I called the lender and informed them that I intended to conditionally accept their offer if the unrequired condition was removed. They told me the credit department and dealership were the only ones with the authority to remove that condition, but they refused to. I was informed by a salesperson named XXXX that the fourth application that I had submitted that morning with Santander/Chrysler Capital was automatically denied. Since they work directly with the lender 's credit department, I so rightfully assumed that the information for denial was known and just wasn't being stated to me directly. I told them that I was aware that I was being avoided which is harmful behavior and expressed that I was contemplating litigation. I never confirmed that this was the course of action that would be taken, only that it was being considered and only then did I receive an immediate response which was odd. Whoever was messaging me at the time decided to cease communication and not respond despite me reaffirming that legal action was only an idea and not a course of action that was taken against them or the lender. I remained patient throughout the entire process despite being given false information, enduring discrimination, as well as non-compliance. As far as the other 4 lenders : XXXX XXXX XXXX XXXX XXXX XXXX XXXX only two of them ( XXXX, and XXXX XXXX XXXX ) confirmed that they had also approved me for a specific amount from the application submitted on XXXXXX/XX/2023. XXXX had approved me for an amount that was estimated at around {$23000.00}, while XXXX XXXX XXXX had approved me for an amount that was estimated at around {$30000.00}. XXXX XXXX chose not to disclose an approval amount or total denial and XXXX disclosed that I was completely denied. I'm not sure about the accuracy of each of those claims.
In conclusion, neither of the lenders that had approved me for funding sent out a notice of a favorable decision giving me knowledge of the approval amounts thus leaving me in the blind and unable to act on whether I'd like to accept or deny the offer given. Despite the dealership knowing the true nature of these approvals they chose to give me false information and persuaded me to participate in an act that was not required of me by law. This experience with the dealership and its agents/representatives as well as those responsible for carrying out their duties on behalf of these lenders was harmful and damaging to my personal being, to say the least.
|
| 06/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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In XXXX, I applied for forbearance from Santander due to Covid hardship. I had to close my restaurant in XXXX when the City of XXXX shut down. When the forbearance period ended and my business wasnt back to pre-pandemic profitability, I applied for a loss mitigation program with Santander in hopes to discuss options to pay the forbearance amount. I have been caught in a perpetual document loop which never moves forward.
On the contrary, an agent working with Santander became upset with me and my realtor when I decided that my best solution is to rent my home so that I have rental income to start repaying the monthly mortgage. He wanted to proceed with a deed in lieu of foreclosure or a foreclosure process. I told him that I want to avoid foreclosure because I need to maintain good credit scores and it is not my character to walk away from my obligations, if not for the challenges that I am still facing due to Covid-19 My experience with Santander has been unfortunately horrible. Not only is the bank not able to work with their customers on a solution, they are ignoring everything that I read about in the CARES Act for people who have been affected by Covid-19 and still experiencing hardship. In addition, the bank seems to be incentivized to foreclose, and therefore, has created a system that leads their customers down the path of a foreclosure instead of working to mitigate it.
Below is a summary of my experience.
XX/XX/XXXX I submitted my complete application for loss mitigation. My application was marked incomplete even though I submitted the complete application and all requested documentation.
In a phone conversation, I was told that they sent me the wrong application form and told me to submit the correct form. I apparently should have filled out Form 710 instead of Form 708, and they told me to submit a new application using Form710.
XX/XX/XXXX I submitted my application using Form 710. It was again marked incomplete on the portal.
XX/XX/XXXX By this time, I have submitted several complete applications. The online system continues to mark my application incomplete.
I spoke to officer XXXX and contrary to what I had previously been told, she advised that I had submitted the wrong application Form 710 and that I should have filled out Form 708! She told me to resubmit my application yet again. Immediately, I filled out a new Form 708 and submitted it online.
I called every week for a status on my application, because it continues to be marked incomplete on the online portal. Each call will result in a new list of additional documents to submit. I will submit the documents requested, but the process never moved forward.
On XX/XX/XXXX I started to work with a housing counselor. We called the loss mitigation department for clarification on the missing documents. The housing counselor requested an email summarizing the documents requested on the call but we were told it wasnt possible. The housing counselor advised that, instead of using the portal, I should submit the requested documents via email and quote the phone conversation, naming the person we spoke to, reiterating her requests, addressing each one.
On XX/XX/XXXX I submitted documents via email per housing counselors guidance. Each time, following up with phone calls and submitting more documents after each phone conversation. The document loop continued but I was still denied mitigation options due to an incomplete package.
I had no choice but to list my home for sale in hopes that I can repay my entire mortgage with Santander but was not able to sell our beautiful high value property in this market condition.
On XX/XX/XXXX I went to the Santander branch office to explore a short sale option so that I could lower the price to sell the property. I was referred to XXXX XXXX, a Short Sale and Deed in Lieu specialist from XXXX XXXX XXXX XXXXXXXX hired by Santander.
We did not get an offer for our property. I decided to rent it until the economy turns around. When XXXX found out from my realtor that we were renting the property, he was very upset. He called me and told me to write him an email that would allow him to proceed with the Deed in Lieu of foreclosure process. I asked him to explain the implications of the Deed in Lieu. He told me foreclosure is inevitable, and I should start the process now. That call left me feeling very concerned and threatened.
I did not send him the email because I found a tenant shortly after that conservation.
On XXXX at XXXX XXXX XXXX called and again asked me for the email that would allow him to deed the property over to the bank. I told him that I have a tenant and can start paying the mortgage. I told him this new circumstance will be better for both me and the bank, and would preserve my credit score which is extremely important for me because I need to bring my small business back. He was very upset. I felt harassed by XXXX on that call.
On XX/XX/XXXX I submitted a new complete loss mitigation application with the new rental income information. As of today, the online system still shows that the application is incomplete.
Currently, my small business transactions are in jeopardy due to the damage to my credit score because of this forbearance challenge I have with Santander. I have a perfect credit history otherwise.
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
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Chrysler Capital My husband passed away ( XXXX XXXX XXXX XXXX and was still paying for his XXXX XXXX. He put a lot down on it and had it mostly paid off and only owed around XXXX XXXX. The car was purchased for around XXXX and is worth much more since they are no longer making these vehicles. He financed the car through Chrysler Capital which we have used before. I received a letter from Chrysler Capital on XX/XX/XXXX dated XX/XX/XXXX and it stated that I had two options : One was to pay off the loan by calling them to get a payoff quote and the second option was for them to pick it up and sell it at auction. I wanted to take the first option otherwise I would lose a lot of equity since so much was paid already. I can pay it off therefore I called.
I called on the date I received the letter which was XX/XX/XXXX. I was told by the first representative that there was a first deadline and it was XX/XX/XXXXXXXX but they would extend it to XXXX. I never received any type of correspondence prior to the letter dated XX/XX/XXXX that I received on XX/XX/XXXX. I was not notified prior and would have had XXXX idea about this until the letter I received that was dated XX/XX/XXXX that I received on XXXX This is the first date I would know any of this and this was the first communication from Chrysler Capital. They then told me I would need to fax over the Death Certificate and once they received it I could call and get the payoff quote but then the representative said that he was to transfer me to another representative to make sure he covered everything. The second representative then told me that he did not tell me everything and that I also needed an Executor of Estate Document from XXXX XXXX XXXX XXXX XXXX and by XXXX or else I would lose the car. What?! First, I knew nothing about this until XX/XX/XXXX and the imposed deadline seemed unreasonable. But I faxed over the death certificate along with the will stating that I was the executor of my late husband 's estate, and I did this on XXXX On XXXX the documents were rejected by Chrysler Capital. The following Monday, I called Chrysler Capital and was told they would not accept the will it needed to be a court document. I called the estate attorney. He told me wills are not registered with the court in Ohio because it is not necessary or required. I mentioned to them that nowhere in any agreement did I understand nor my husband that this would be a requirement under these circumstances. The attorney mentioned that this was unusual. I called the dealership and they said they never heard of this. A will names the executor, and this is so that probate is not needed. I was told we had until XX/XX/XXXX. The attorney and court told me it could take a month or more to get an Executor of Estate document. Chrysler Capital would not extend the time. I have the money to pay the car and legally, by right of survivorship, I am the executor of my late husband 's estate regardless of what Chrysler Capital feels they need.
Chrysler Capital is not working with either me or the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX to extend deadlines or give out payoff quotes so that I can finish paying off the load and obtain the title. They have imposed deadlines that can not be met, and these documents should not be needed in the first place. It is like stealing the car and praying on widows to make money for themselves. They are also making it hard for anyone else to communicate with them besides myself and when I call, they shut the door on me.
Chrysler Capital is unethical, unreasonable, and predatory because they did not send me communication before the letter on XX/XX/XXXX I received but made it sound like there was a previous deadline, they imposed unreasonable dates that can not be met and are pressuring everyone so that they can repossess a high-value car and make money on it for themselves. And, how did they find out my husband passed away? I did not call them. He died on XX/XX/XXXX and they mailed a letter out less than a month later and asked for documents that Anyone with a brain would know take longer than the less than a month that they gave us to gather.
Previous investigations in other cases state the Chrysler Capital charged inappropriate fees, and repossessed vehicles in violation of the Fair Debt Collection Practices Act and there is at least one class action suit filed for robo calls. They are a spin-off of Santander which has purchased many other banks. If they manage to repossess the car, a mark will be on my report saying, previously had a car repossessed by us and would prevent me from using any XXXX of their smaller banks to finance a future car. And this would be through no fault of my own because we are working to do what is necessary regardless of their unreasonable expectations and I am still making a car payment even though they stopped sending statements.
It is more than obvious that Chrysler Capital is purposely making it extremely difficult to pay off and obtain the title for the car. Chrysler Capital or Santander needs to be held accountable and stop its predatory, unreasonable, unethical behaviors. This in the dark ages, if they were reputable, they would not have to resort to these low ball means, ruining good people to make money for themselves.
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| 02/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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The XX/XX/XXXX the XXXX XXXX requires : the company to test all loans that default in the future to see if the customer had negative income and Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses something Santander should have factored in, but did not, in the past. If the loan is found to be unaffordable Santander is required to cancel that loan.
Despite multiple calls and requests, they have refused to provide any evidence that they have done this leading up to, or since, the vehicle has been charged off. I have requested the documents they used in determining my ability to be a co-signer as well as. They cant test the loan or provide proof they did that because the dealership did not request or require any documents from me that would let them know if I had a negative income..
According to the settlement, if a loan holder got a loan with Santander between XXXX XXXX, XXXX and XXXX XXXX AND was given a certain internal score at the time of the loan that met the qualifications they were sent a notice and restitution. We received the restitution payment which meant that we fell under the internal scores that were addressed in the Settlement.
Santander has removed all reporting for XXXX to XXXX ( the only one who continues to have them on my credit report despite my disputes ). I believe they did this in an effort to hide the late payments that started in XXXX and XXXX and the default they issued in XXXX so they would not have to include this loan in the settlement. As you will see below they were reporting, albeit, inaccurately as you can see from the payment ledger, and then just removed all reporting for that time. That didnt make sense until I found the Consent Order by XXXX addressing these continuous issues with credit reporting and ordering them to fix, which they obviously have not and is just another reason why this loan should be canceled by them.
XXXX XXXX XXXX XXXX XXXX. XXXX addressed the following law violations that relate to this loan : ( 1 ) Respondent furnished inaccurate information about consumers credit to Consumer Reporting Agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) The final issue relates to the extensions they offered and relate to this order : XXXX XXXX XXXX ( 1 ) Respondent misrepresented to consumers the impact of receiving a loan extension, including by obscuring that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments, in violation of sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Under sections 1053 and 1055 of the CFPA, 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order.
As described in the consent order, the Bureau found that Santander violated the Consumer Financial Protection Act of 2010 by failing to properly disclose the impact on consumers of obtaining a loan extension, including by not clearly and prominently disclosing that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments.
Though they do address that interest continues, it also says, Following the extended payments, your next regular payment due date is XX/XX/XXXX and every month thereafter until maturity. Your new maturity date is XX/XX/XXXX.
It does not say we would have a balance due at the maturity date and is confusing because it says it does not extend any interest on the payments you have not made but then says, interest will be charged for the entire period of the extension. For months after the extension not {$1.00} went to the principal so while they said the extension would only add 1 month to the end of the loan it obviously added on many months of payments since the principal was never getting paid toward at all.
On XX/XX/XXXX he was given an extension for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In addition to getting a similar Extension Agreement as above ( Im adding them all below ), they only extended the maturity date for 3 months even though they could see that there was no way he would ever catch up since almost no payments were going to the principal leading up to the extension and then with 3 months extension would take almost a year of payments to once again touch the principal. They also have continued to report XX/XX/XXXX as 30 days late even though Ive provided both Santander and XXXX with evidence of the extension that was granted.
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| 10/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My family moved from XXXX XXXX XXXX in XX/XX/XXXX. Once we obtained our XXXX drivers license, we requested XXXX DMV file a State Change Request and gave the DMV the contact information for Chrysler Capital. Based on conversations with the XXXX DMV, the DMV faxed the request to Chrysler Capital on XX/XX/XXXX.
On XX/XX/XXXX, the DMV informed me they had not received the title from Chrysler Capital and requested I follow up with them. I called Chrysler Capital, as requested, at which point I was told that they had mailed the title to the DMV on XX/XX/XXXX via standard mail via the US Postal Service and had not addressed it to the attention of the appropriate party, as requested by the DMV. Further, they were supposed to XXXX the title, rather than mail it, and obtain appropriate tracking information. The did not do this.
After notifying the DMV to inform them they mailed, instead of XXXX the title, the DMV told XXXX they would need to wait until it was received and processed ; at which point, we could register our truck.
On XX/XX/XXXX I called to follow up with Chrysler Capital as the DMV had still not received the title. At this point I spoke with XXXX in the title department ( employee ID # XXXX ) who stated that they, had in fact, never received the title from the XXXX DMV and were still waiting for it, contractdictory to what I had been told on XX/XX/XXXX when they said they had mailed it.
I asked how this was possible, as I was told it had been mailed on XX/XX/XXXX but she stated they had not requested the title from XXXX DMV until XX/XX/XXXX so there was no way it could have been mailed as it typically takes Chrysler Capital XXXX weeks to receive the title from the XXXX DMV after a request.
I asked for a manager, and was told that no one was available ; therefore, they said they would have one call me back to confirm what I was told was accurate and hopefully expedite the process. I never received a call back.
On XX/XX/XXXX, I called Chrysler Capital again and spoke to XXXX in the customer service department ( employee ID # XXXX ) ; XXXX stated the title was being converted from electronic to paper and it will take another 2-4 weeks to be transferred to the title department. I told him I'm getting the run around and every time I call, there seems to be a new story. He transferred me to XXXX I the title department ( employee ID # XXXX ) and he confirmed the notes that XXXX had made the request for a manager to follow up with me but nothing had been done after that. He recommended that we order a duplicate title as clearly the first one is not coming. I asked if there was any cost to this and he stated no cost to me and to allow 15 days to process this. He got manager approval while on the phone to order the duplicate. In the meantime, our XXXX Registration has now expired on the vehicle as of XX/XX/XXXX.
I called Chrysler Capital again today, XX/XX/XXXX, to see where the title was has now been over 15 days and spoke to XXXX in customer service ( employee id # XXXX ). He stated that I need to allow more time and to wait. I asked to speak to the title department as its been months now with no title and now an expired registration tags on our truck. He transferred me to XXXX in the title department ( employee ID # XXXX ) who looked into the notes and stated she saw the original request was sent on XX/XX/XXXX and that XXXX DMV had mailed it to them on XX/XX/XXXX but they had never received it. The XXXX DMV does not send titles in the mail with any tracking capability, so they do not know where it went. Now that we have requested the duplicate title, Chrysler Capital will, A ) have a third-party company handle it for them, B ) Said third party will supposedly XXXX the title to Chrysler Capital once received who will then C ) XXXX it to PA DMV. She asked to allow more time. I asked if anyone could follow up with XXXX DMV and see where the title is or if it was sent and she stated it's with the third-party and they have no control over that. I asked for someone to follow up with me as I have to keep calling over and over with new stories each time I call. She stated she can put in a request for someone to call me weekly with updates. I reminded her that I had done that before and no one ever followed up. She apologized and stated all she could do was put in the request.
It should be noted, when we put in a similar state-change request with XXXX for XXXX other XXXX vehicles, we called on XX/XX/XXXX and PA DMV XXXX XXXX title on XX/XX/XXXX. I find that Chrysler Capital is quick to blame everyone else on why this has not been resolved. We have no recourse and are concerned if this matter is not handled promptly, we will not be able to register our vehicle and will have no choice but to give the vehicle back in lieu of repossession as we are currently upside-down in the loan and have no way to refinance it. We are current on our payments and intend to remain current ; however, at this point, it seems unknown whether we will ever be able to register our vehicle.
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| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Repossession
- Account reinstatement or redemption after repossession
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Web |
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I acquired a XXXX XXXX XXXX vehicle on XX/XX/XXXX through a leasing plan.
On XXXX XXXX XXXX ( 15 days after the purchasing ) I contacted the dealer where I bought the vehicle ( XXXX XXXX XXXX XXXX ) to let them know that the truck was failing on the dashboard, on the control panel, and on the back TV screens.
I took the truck to the dealer service to fix the problem. They didn't do it.
like this, I took the vehicle over 10 times to be fixed for the same problems, some other showed up with the pass of the time, like the emergency brake start to run by itself suddenly, the side mirrors started to show failures. At the end they told me that they couldn't fix the problems with the vehicle.
I tried since XX/XX/XXXX to return the vehicle with the dealership, but they were telling me that it wasn't with them. That I had to contact ( CHRYSLER FINANCIAL ) I contacted them to explain the situation. They told me that I had to contact back the dealership. I was back and forth between Chrysler Capital and XXXX XXXX for over 8 months trying to find someone who can help me to make effective the Lemon Law and return the vehicle, but no one wanted to be responsable for this defective vehicle.
The vehicle spent 6 months at the dealership trying to be fixed with out any success. Mean while I was paying the $ XXXX monthly payments plus {$490.00} insurance. For a vehicle that was defective and I wasn't using.
I stoped paying the monthly payments, waiting for someone, ( the dealership or Chrysler Capital ) who can help me.
After many phone calls with Chrysler Capital and the dealership with no answer. Finally someone from Chrysler Capital advised me to contact XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) I explain them all the situation. They opened different cases numbers XXXX, XXXX.
They told me to leave the vehicle at the dealership because they were supposed to send a specialist to se what was the problem with the vehicle.
I left the car at the dealership the month of XXXX, No-one from XXXX Showed up. The people from the dealership service are contacted me to tell me that I had to pick up the vehicle. because it was ready.
I did it, but the vehicle was showing the same problems.
I contacted again the XXXX people requesting apply for the lemon law, and return the vehicle. They told me to bring the XXXX back to the dealership. I did it on XX/XX/XXXX, The vehicle spent there 3 Months ( XXXX, XXXX XXXX. ) until I received an e mail from XXXX on XX/XX/XXXX telling me that they will start the process of the repurchasing.
I sent them all the information they requested.
At the end of XXXX I received an e mail from XXXX telling me that they were working on the repurchasing process.
At that time I received a phone call from the dealership asking me to pick up the vehicle.
Because no-one from the XXXX has shown at that time.
I did picked up the vehicle at the end of XXXX.
In XX/XX/XXXX, the vehicle was repossessed by Chrysler Financial. It was towed.
I notify what happened to XXXX. They told me that in order to continue with the repurchasing process I had to repossess the vehicle. I contacted Chrysler Capital to explain the situation, they told me that I had to pay {$120.00} XXXX USD. to reposes the vehicle. Or XXXX had to pay off the vehicle. I contacted back XXXX to let them know this situation but they just told me that the only way to continue with the repurchasing process I had to reposes the car.
What is happening : Chrysler Capital ( lender ) and XXXX XXXX are the same family company.
- XXXX approved to repurchase the XXXX on XX/XX/XXXX The XXXX was at the dealership at that moment for the same issues repair.
- On XX/XX/XXXX. XXXX XXXX ( from XXXX ) sent me an e mail telling that she requested to Chrysler Capital all the information On XX/XX/XXXX XXXX XXXX ( from XXXX ) sent me another telling me that she was still working on my repurchasing process.
I received a phone call from XXXX at the end of XXXX telling me that the XXXX was ready do be picked up. I did it On XXXX XXXX XXXX. The XXXX was towed by Chrysler Financial ( reposes ) On XX/XX/XXXX th. XXXX XXXX sent me an e mail telling me that definitely they cant continue with the repurchasing process because the XXXX was repossessed.
All that was planed to avoid their responsibility.
They will put that damaged unit on auction. When the right thing is to fix it.
What I want : Be reimbursed the amount of {$30000.00} USD Payed as downpayment {$28000.00} USD Monthly payments payed.
{$9000.00} USD Payed for insurance.
The XXXX was at the dealership for repair, the same problems, at least 6 months. XXXX was supposed to rent a car for me while the car was on repair. They didnt do it..
Instead I had to buy another car because I wasnt able to use the one that I was paying for.
I filed a complain already with the Bureau of Consumer Protection. Report # XXXX Saying that, I just want to thank your kindness and patience for attending this matter that is affecting me, even on my credit score that will need to fix after this.
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| 08/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
Servicemember |
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XX/XX/XXXX I purchased a vehicle from a dealership after the dealership was able to secure a auto financing agreement on my behalf from Santander Consumer USA for a principal of {$48000.00} at a XXXX XXXX interest rate ( simple interest ). First payment, not due until XX/XX/XXXX. On XX/XX/XXXX I requested a payoff amount for the account via their web portal and received the payoff quote that was valid through XX/XX/XXXX. On XX/XX/XXXX I attempted to make a payment via their website as instructed on the paper statement, and mutiple emails I had received from them, only to find out their website limits you to paying {$2900.00}. Obviously it would take ALOT of payments to process my total loan amount! Not wanting to do that, and also not knowing how many payments I could make in that manner, I called in on their XXXX, that once again was on the paper statement, email, and websites as a payment option. After calling in the first representative told me that I could make XXXX payments of {$2900.00} a day until my loan was paid in full. Only having 4 days until my payoff quote was no longer valid, {$5900.00} a day, would not satisfy my loan in enough time. In the meantime my wife contacted our bank ( XXXX XXXX XXXXXXXX ) to attempt to set up a " bill pay '' to satisfy this account, and after mutiple agents attempted, it was discovered the financial institution would only accept a {$10000.00} maximum payment as a " bill pay ''. Once again, not enough time to satisfy the payoff amount in the days I had remaining on the quote. At that point I called back into Santander and immediately asked for a supervisor to ask for a extension of my payoff quote due to their system not willing to accept my payment and needing to break it apart over mutiple days. I was told, they couldn't extend my quote, but as a supervisor she would be able to accept XXXX payments of {$12000.00}. And suggested if I did that, I could call in again on Monday XX/XX/XXXX and make a third XXXX payment which would leave a balance under {$12000.00} to which I could pay off the loan. Come Monday XX/XX/XXXX, I call in to make my XXXX and XXXX payment to be told after the processing of a {$12000.00}, that they could NOT process a XXXX and final payment that day do to internal policy that a payoff can not be processed the same day a maximum payment was made. After some argument, I agreed to receive a call the next day from the " executive '' team of the institution and the person I spoke with also offered to notate the account that because I had attempted to payoff the loan the previous day, that the {$7.00} in daily interest would be credited to my account. XX/XX/XXXX I received the call as promised to be told their policy is to only accept " large payoff '' amounts via certified funds. When asked when and where this information is disclosed, I was told if I asked, I would have been told, and their policy is policy and there is nothing anyone can do about it. When I asked about the credit I was promised due to their policy of not accepting my payment to previous day to compensate me for the additional day of interest I was being forced to pay, I was told, she didn't care what I was told, I would not receive any type of interest refund because it was a simple interest loan, and that is charged daily. I was told she would review the recorded conversation and address any issues with the management team, but anything that person had told me, wasn't " her problem '' because he didn't speak on her behalf. I was repeatedly told the only way they would accept a payoff payment was via certified paper funds through standard mail, or via moneygram, XXXX XXXX, or mutiple other cash wire facilities. But they do not accept bank wire transfers. I once again asked where this was disclosed, she told me all I had to do was ask. Out of pure frustration and the fact I was at work, which in a building that I am not permitted to use my phone due to security issues and possibly " leaking '' sensitive information I hung up the phone. After work, I went on their website and proceeded to make XXXX payments of the allowed maximum and then went to my bank and made the final payment via my bill pay. As of XX/XX/XXXX my account should be satisfied and with my calculations actually be overpaid by {$55.00}. I have now made a total of XXXX payments over the course of 5 days to jump through the hoops because of their undisclosed policy that all I had to do was ask for! Of which cost me a extra {$20.00} interest charges as well over XXXX hours of phone calls. I have also spent XXXX hours scouring through their websites, their faq 's, and my printed paperwork in a attempt to find the payoff " policy '' and I have not seen a single mention of anything in regards to payoff other then a address to mail payment to, and how to obtain a payoff quote. I feel this is a extremely deceptive practice aimed at extorting every penny possible from the consumer and if they have such heavy restrictions on early payoff, it should be 100 % disclosed from the beginning!
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| 05/06/2023 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I went to a Santander to open an account and I was already a customer there with a jointly account however the branch manager XXXX XXXX was not professional after they collected my information to open the account for me and she didnt do it and was giving attitude and she dont like me, and reported to her colleague or friend the district manager XXXX to close my account without any explanation. When I spoke to XXXX and explain issues about her behavior XXXX still dont want to fix the problem and told me I will be received a letter for terminated the relation with the bank. The next day I received a letter with my money that sent as a cashier check and it was 3 different checks were sent to me at different date, one of them i went to cash in XXXX location they cashed them without no issues and the last one it was a small amount check I went to cash it at the XXXX Branch near my house today XX/XX/XXXX and I had the recording video where I walking to the branch and the teller XXXX XXXX XXXX told me that according to her manager XXXX that I dont supposed to come to this branch I walked away I did not say anything and call another branch location the issues I was having and that branch was in XXXX and he told me to hold on and after a few minutes he came yo the line and told me that a letter just sent to me for me not to go to any Santander location to cash my checks that they were sent me after they close my account. I contacted the executive office they did not do anything and they did not provided the reason why they close my account after that altercation with her and they are doing unfair treatment to me which I never get any explanation why my account was close. Im not a criminal, never committed fraud or giving a bad check to the bank for to received that kind of treatment just because a branch manager doesnt like me for speaking the truth because she was not professional by not returning my call and I said that to her and she get upset and asked her boss or the district manager to close my account just like that and I contacted XXXX boss hes name was XXXX and he refuse to let me speak to a higher level of management yo get that resolve and I forward the conversation with that lady via email theres no sign of aggression whatsoever and I didnt commit a crime and guess I received a call from the XXXX police today that told me that Santander branch was calling and file a trespassing for me just because I went to the bank and cash my check that they sent me after they close my account which I never done any fraud or giving a bad check so this is a matter of discrimination I called the state and they were giving me that number to file a complaints. I never treated like that from any bank this is an awful experience the worst things when I asked the executive manager why my account has been close and why is that the bank did that he told me he cant answer that they dont have to have a reason to close my account they just can close account as they wish too thats not fair. They refuse to provided me corporate number to speak to another person, they refuse to investigate the employee behavior about my unfair treatment and also they also close the jointly account with my husband and I he was the first on the account and they still close it without hes consent. Santander was denied me for a loan before to purchased a home before they dont treat XXXX peoples rights and on top the branch manager and the district manager are related to each other I check them on social media and they have the same nationality XXXX XXXX. I would like to get this matter to investigate because this is not fair for me to get that kind of treatment I had this account since XXXX and never committed any crime, never write a bad check just because the lady was not professional to follow up back with me after I asked her to open an account for me just by my self and she get mad at me because I told her that she was not professional and she take that very personal with me and as a result she requested to have my account close just because she had a close relation to the district manager and thats not fair. Its a matter and unfair treatment to me .I can be reach at XXXX I have all the emails to provided as an evidence to my conversation with the branch manager that requested for my account to be close and shed immature for having a personal problem with me by and they refuse to fix the problem with me she hated me so much Im assuming she is capable of doing anything if she can do that to an innocent to me thats why Im seeking justice please and fair treatment. I spoke to several employees on the customer service and file a complaint for that kind of treatment I received they told me thats not right what they did and they see a note that I have to speak to only this XXXX guy thats XXXX best friend again so I couldnt no Justice at all and fair treatment therefore I insist to file a report for this matter.
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| 04/15/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Struggling to pay your loan
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Web |
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On XX/XX/XXXXXXXX Santander Consumer USA had a tow company attempt to STEAL my XXXX XXXX XXXX for the 2nd time. In this 2nd attempt, the tow truck company ( name unknown at the moment ) breached the peace, creating a very hostile situation. The woman that was assisting the tow truck driver illegally entered my vehicle attempting to block me from getting in my driver 's seat.
Which led to a physical altercation. An absolute violation of law and a breach of contract. I verbally stated that they " may not take my car ''. I asked the woman repeatedly to remove herself from the vehicle to which she refused until I was able to physically force my way into the driver 's seat and start my vehicle. The tow truck driver finally told the woman to get out of the SUV.
Seconds before she gained entry to the vehicle, the tow truck driver also physically assaulted me ( yet another absolute breach of peace ) as well as my neighbor, with the brackets of the tow bar while we were standing at the back of the SUV. By intentionally pressing the button to make the towbar press against the back of our legs in an attempt to scare us to move. Threatening to crush our legs between the tow bar and my vehicle. The two were using very menacing tactics.
After I successfully got into the driver 's seat of my SUV I was able to get it started, WHILE still wrestling the woman out of my car. Once she finally exited the vehicle, I immediately drove up onto the sidewalk and lawn of the property, to avoid the threat of theft and the threat a police presence creates for an XXXX XXXX like myself. I have a witness and a video recording of what transpired that day. the police were called as well This is the second time Santander Consumer USA has committed a breach of the peace. I have made multiple complaints against/to SANTANDER CONSUMER USA directly , through the CFPB, and the New York Attorney General. I have cited multiple codes that SANTANDER CONSUMER USA has violated in these prior complaints and I have highlighted the misleading verbiage, the outright fraud, and predatory loan practices.
I have pointed out things such as their failure to disclose all information per the TRUTH IN LENDING ACT and U.S CODE 15 USC 1632 DISCLOSURE REQUIREMENTS. Santander attempted to dissuade me from exercising my right to rescind the contract and any obligation that may have derived from my signature and ignorance.
In response to my last complaint, Santander directed me to reread the section of the contract that states there is a " no cooling off period '' in New York. This was true, up until XX/XX/XXXX, which is the date that The State of New York adopted new rules for used car dealers ( I purchased my SUV on XX/XX/XXXX, a full 15 months after the new laws had been adopted ).
Under these new rules dealers must provide a financing statement in a prescribed form prior to the execution of any retail installment contract. The financing terms must include two annual percentage rates : the contract APR and the lowest APR offered to the buyer by any finance company with the same term, number of payments, collateral, and down payment. It also states that consumers MUST be given an automobile contract cancellation option form that offers a consumer a two-weekday cancellation period. A consumer may use this form to cancel the purchase and receive a full refund.
The contract presented to me by XXXX had neither. There were no finance company comparisons offered nor was there a cancellation option form presented with the contract. The Truth in Lending Act clearly states that the " consumer '' is to be informed and properly instructed by the creditor on their options so the consumer can make an informed decision.
Repossession- verb ( used with object ) to regain ownership of ; to take back. So unless we are using a different definition for repossess, Santander Consumer USA is ultimately committing theft when attempting to take a vehicle they never actually possessed. Santander Consumer USA has violated on so many levels that it bewilders me how this corporation has been allowed to continue to conduct business.
I have pointed out things such as XXXX 's failure to honor the service contract. I took the XXXX XXXX back to the dealer a week later after purchase to address a problem in the steering column that still exists to this day, yet another breach of contract.
It has taken some time for me to respond to the last rebuttal from Santander because unfortunately I am just now becoming aware of and comprehending my consumer rights. Santander Consumer USA has taken full advantage of my ignorance of these rights. Thankfully the CFPB as well as other policy enforcement agencies exist to help consumers right these wrongs when they occur.
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| 09/13/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On or about XX/XX/XXXX, we signed a construction contract ( Contract ) with XXXX XXXX XXXX ( Company ), owned and managed by XXXX XXXX XXXX XXXX ) , to build a five-foot extension on three floors of our house in XXXX, New Jersey ( House ) in exchange for {$100000.00}. The Contract required the Company to begin work on the House on XX/XX/XXXX and complete the renovation by XX/XX/XXXX. However, the Company failed to meet either date. The Company stopped work on the House in or around early XX/XX/XXXX, never to return, and refused to communicate directly with us. In an email to us on XX/XX/XXXX, XXXX wrote, I am asking that you cease any and all communication with me directly. From now on please address any correspondence or communication to my attorney.
The Company has taken more than {$68000.00} from us : in exchange, we received excuses for over half a year and an unlivable House. At XXXX request, we electronically wired the Company {$44000.00} on XX/XX/XXXX. The wire was sent to the Companys bank, Santander Bank ( we can provide the account number and routing number ). Together with the {$9500.00} we paid him via our XXXX XXXX XXXX Credit Card, this represented 50 % of the total Contract price ), but the Company never performed more than 20 % at most of the work under the Contract. The Company charged us and we paid {$9500.00} for part of an advance for total work on the House under the Contract. Together with the {$44000.00}, this advance was supposed to be for completion of 50 % of the work, but the Company never performed more than 20 % at most of the work under the Contract. The Company charged us and we paid {$7500.00} for another advance under the Contract. The advance was supposed to be for completion of 57 % of the work, but the Company never performed more than 20 % at most of the work under the Contract. The Company charged us and we paid {$7500.00} for a sprinkler system and a permit. The Company did not even build the extension in which the sprinkler system was to operate. The Company likewise did not even procure the plans needed for the sprinkler system.
The Company never started building the extension on the second or third floors of the House. The Company also left the extension on the first floor of the House incomplete, with little more than footings and rough framing. Our new contractor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, says that it will cost over {$140000.00} to fix all the work that the Company never did.
The Company engaged in consumer fraud, and this is part of a troubling pattern : we recently learned that the Company and/or XXXX has been sued at least three times for fraud and misconduct, among other things. All three of these actions resulted in judgments against XXXX and/or the Company. In XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX ) , homeowners alleged violations of the Consumer Fraud Act, breach of contract, breach of the covenant of good faith and fair dealing, negligence, fraudulent inducement, fraud, promissory estoppel, and conversion. This action resulted in a judgment against the Company and XXXX for over {$720000.00}. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the homeowners requested and were granted enforcement of a judgment against the Company for over {$88000.00}. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the homeowners brought claims for breach of contract, consumer fraud, common law fraud, and declaratory judgment and were granted a judgment against the Company and XXXX for over {$78000.00}.
We paid XXXX a total of {$68000.00}. Nonetheless, he only completed item 2 in the Contract ( {$1400.00} ), and Change Order No. 2 ( {$270.00} ). He only partially completed items 1, 3, and 8 in the Contract. These three items total {$27000.00}. As XXXX only partly completed one of three levels to the addition, he only completed approximately 1/3 of this work, so the figure should be proportionately adjusted to {$9300.00}. The completed work totals {$11000.00}, so the Company owes us {$57000.00} for work never completed.
Despite repeated requests, to date, XXXX has failed to give us our money back for the work he never started or completed. Even if we still wanted XXXX and his Company to finish work under the Contract, the work can not be completed because XXXX has refused to speak with us directly.
Our bank, XXXX XXXX XXXX, told me that they reviewed the above information and supporting documents and determined that XXXX scammed us. XXXX XXXX XXXX further advised that they contacted XXXX bank, Santander, about the return of the {$44000.00} we wired him, but Santander has yet to respond, though they are required to do so.
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| 03/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I am
having trouble receiving my GAP insurance refund after paying off my vehicle from Chyrsler Capital and the XX/XX/XXXX. I paid my vehicle loan off on XX/XX/XXXX.
I received a letter from XX/XX/XXXX XX/XX/XXXX( dated XX/XX/XXXX ) that my Total Loss Protection Product was cancelled and that a pro-rata refund would be sent by my dealer directly to me. In addition, the letter stated that if I did not receive my refund within the next 30 days to contact their customer service department.
I contacted XXXXXX/XX/XXXX customer service number and was told to reach out to the dealership to make them aware of the issue. I then contacted XXXX XXXX XXXX XXXX XXXX XXXX via phone and was told that I could come in and get my refund processed. I completed paperwork with the dealership in XX/XX/XXXX, was told that the paperwork would be sent to Chrysler Capital and that I should receive a check in 30 - 45 business days. Unfortunately I lost the paperwork that I filed out with the dealership.
I also contacted XXXX XXXX to confirm what was told to me be the dealership. Their customer service person told me the same thing.
When I did not receive my check by XX/XX/XXXX, I contacted Chrysler Capital again. I was told that the refund check was still processing and that they had delays due the disaster that occurred in California and to call back in XXXX if I had not received anything.
I called Chrysler Capital again on XX/XX/XXXX and was given this number ( XXXX ) to call for follow-up. When I called that number, it was disconnected. I called Chrysler Capital again. Customer service rep - XXXX XXXX stated that he reviewed the refund database and a check had already been issues back in XX/XX/XXXX, the amount was a little over {$680.00} and was sent via USPS. I informed him that I never received the check. He sent an email to the accounting department to put a stop payment on the check and reissue another one. I requested that the check be sent via XX/XX/XXXX due my inconvenience. He said that he did not have the capability to do that and referred me to a manager.
The manager, XXXX, asked me had I checked my banking account to see if I cashed the check. I told him that it wouldn't make sense for me to look at my bank account if I never received a check. XXXX stated that there was nothing he could do and did not see how Chrysler Capital was at fault. I explained that I contacted Chrysler Capital numerous times and was not told until XX/XX/XXXX that a check was ever issued out because none of the customer service reps other than XXXX XXXX looked at the refund database. XXXX stated that he would have to change my account status from archived to active to have the executive offices look at the issue. The call was disconnected abruptly and XXXX made no attempts to call me back. I called Chrysler Capital again and was told that all of the managers were unavailable and to call back tomorrow. I requested to put in a complaint. The complaint was noted on my record and I was told that I should hear from someone in their corporate offices in 24 - 48 business hours.
I called back the next day ( XX/XX/XXXX ) and was told that there was nothing that anyone could do and that they did not have a contact number to give me for their corporate office.
From there, I called XXXX XXXX XXXX XXXX XXXX XXXX 's finance department for additional assistance. XXXX ( contact number - XXXX ) stated that he would look into the matter to see if he could expedite the process and he would call me back later during the day with an update. I never received a call back from him.
Today, XX/XX/XXXX, I received a voicemail message from XXXX XXXX of the Executive Offices of Chrysler Capital to assist with resolving the issue and left the customer service number XXXX. When I returned the call, I was transferred to the executive office ( something I was told numerous times they could not do ). I spoke with another person ( I did not document their name ) and was told that a new check would be issued out on XX/XX/XXXX that I should received within 14 business days per their local post office. I made him aware of everything that has happened thus far and my concerns about the check being sent by regular mail. He stated that if I did not receive this check in 30 days I should call back and only then will they overnight me the check. I requested to speak with someone above him and was told that there was no one else to speak with - again. I requested that XXXX XXXX ( the person that left me the voicemail message ) give me a call back. He said that he will send him a voicemail message.
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| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX I was leasing and traded in a XXXX XXXX XXXX XXXX, leased through Chrysler Financial ( Also known as Santander bank ). I traded this vehicle for a XXXX XXXX XXXX XXXX. A month later Chrysler tried to make me pay for the full year of XXXX Massachusetts Excise taxes on the XXXX Compass. I told them they had to file for an abatement with the town, and I would pay only what I owed, which was from XX/XX/XXXX to XX/XX/XXXX. For the next YEAR Chrysler continued to harass me to pay the full amount. Representatives from their company threatened to take away my current car, told me that the bill they were asking me to pay was the amount after the abatement ( which was a lie ). Non stop for over a year they threatened me. I finally filed a complaint with the Massachusetts Attorney Generals office. Once the attorney general got in touch with them, they decided to waive the portion of the excise tax that I owed, but they deleted my entire account payment history from their web site, and despite the Attorney Generals demands it be reinstated, they refused. They lied claiming they could not reinstate it. They sent me a poorly written open ended letter stating the lease was paid, but something to the effect if any errors were found in later accounting they could still come after me for it. They refused to change that language in the letter despite the lease being fully paid by the dealership I traded the vehicle to. A few months passed, and I was alerted to a massive drop in my credit score. Chrysler had reported 120 days delinquent on the XXXX XXXX lease. I was NEVER EVER late with a payment on that vehicle lease. I tried to call Chrysler Capitol Financing however they've got my number blocked in some way now, that if I call, it transfers me to an extension that rings non stop and nobody ever answers it. I immediately got in touch with the Massachusetts Attorney Generals office again. I had been warned by another Chrysler Financial customer to keep an eye on my credit report, as he had done battle with them for his title, and for revenge, Chrysler put lies on his credit report. Now as a result of Chrysler putting the 120 days past due lie on my credit report, XXXX of my credit card companies drastically reduced my credit line with them, further dropping my score. My score went from Good, to Poor in under a week because of Chrysler lying on my credit reports. This will impact me for YEARS! My current lease with them ends in a year and a half and what they have done to me now will make it impossible for me to lease or finance another vehicle without paying substantially increased interest rates! The Massachusetts Attorney General got Chrysler to remove the XXXX day late remark from my credit bureau reports, but the damage is done. I only regained XXXX points of those lost by their revenge lie. The credit card company refuses to reinstate my credit line for XXXX days to to make sure the lie doesnt come back onto my credit report again. And if it does, they said they will further reduce or possibly cancel my credit card all together. I am a single and XXXX person, I work hard to make sure that I keep my credit score up, and Chrysler has absolutely destroyed my credit now by taking revenge on me for reporting them to the Attorney General. I am 100 % sure that by reporting them again to the Federal CFPB, they will likely take further revenge and hit my score again. What they did to my credit report was insert a remark stating " 120 days past due ''. But the payment history still showed on time, and still said " closed paid as agreed ''. However the creditors and apparently the credit bureaus themselves dont pay any attention to the fact its an obvious lie by Chrysler/Santander XXXX inserted for revenge purposes. I need help. The Massachusetts AG said she's done all she can with them. They refuse to comply by reinstating my payment history they deleted from my account, and I need something in writing from them stating what they did to my credit reports was a lie so I can get my credit fixed. They need to contact ALL XXXX credit bureaus and make sure my score is fully reinstated to what it was before they slashed it! I will never ever buy another Chrysler product or ever finance through Chrysler or Santander ever again. This has to be illegal what they did to me, and they need to be harshly punished!
You may verify all this with the MA AG 's office at : XXXX XXXX | XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX | NorthwesternDA.org XXXX XXXX XXXXXXXX, XXXX, MA XXXX XXXX ( XXXX ) XXXX PLEASE help me!
My phone number is XXXX
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| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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First, this is my first time I am buying a car in the United States of America as I am from XXXX XXXX and have never financed.
In XX/XX/XXXX, I went to the dealership to test drive a car I already have seen on their website. The car 's price was listed {$10000.00} on the website.
And I got a quote for after tax, dealer installed accessories, registration fee which totaled {$13000.00}.
So, I went there but the first salesman gave us a different buyer 's offer which was {$2000.00} on top of the {$10000.00}, this is for the Motor trend certification.
I was still happy with that price. They asked me to put down a deposit and it is refundable. So, I paid a {$3000.00} deposit with my credit card.
And we talked about coming back to finish the deal.
It was XX/XX/XXXX. I was bringing {$4000.00} certified check and was going to use XXXX $ deposit as total {$7000.00} down payment and finance rest of the price which should be approximately {$8000.00}.
On that day, I changed my mind and called them and said I want to withdraw from the deal. A second salesman said that the deposit wasn't refundable although they said it was. I said yes, it is. They said I have signed the contract and it is saying it is not refundable. This wasn't true, I hadn't signed anything. They were giving me so much pressure.
As a result, I went to the dealership to buy the car.
I gave the second salesman the buyer 's offer that I was given previously. He said the motor trend certification is now {$4000.00}. I said no, I held deposit for the original deal that was for {$15000.00}, not a new deal with different fees.
This salesperson responded with okay okay. Due to this, I thought we both agreed with the original deal.
I then moved into the finance XXXX 's office. The finance XXXX was explaining to me the financing process and getting me to sign the paperwork. However, he did not explain any of the fees or itemized list of the car purchase.
There was a financing contract that had finance charge, amount financed and total of payments.
Although he has explained it to me. I could not understand and so I asked him : Ok, Sir so do I finance {$8000.00} because I put {$7000.00} as a down payment?
He said yes.
After signing was done, I was given XXXX paperwork.
I felt that this was strange. But the dealership was closing ( it was late night ) and I was feeling very stressed.
In the next day, I had figured out I did not receive any paperwork.
I messaged the dealer and asked : Hey, I don't think I have got any paperwork. He said yes, they are in your bag.
I checked after work and there was only my registration tag. And 100 % I remember that he didn't give me any paperwork.
So, I emailed the finance XXXX and asked for the missing paperwork. He has emailed me. And in the paperwork, he has emailed, there was no buyer 's offer or itemized list of the car 's purchase.
And after the day, I have emailed the dealership asking for paperwork several times and they never answered me until very late and even said I thought they were in your bag.
I have requested for the breakdown from the bank on XX/XX/XXXX.
The buyer 's offer bank had sent me was totally different to what I had negotiated with the salesperson.
It was {$19000.00}. They charged me {$4000.00} more than what was agreed.
There was even not my signature on the buyer 's offer.
XXXX 's price was higher and so many additional fees that I had never seen.
On XX/XX/XXXX I went back to the dealership to talk to the finance XXXX again.
He was acting to understand my feelings but what he can do is cancel XXXX XXXX XXXX package ( {$1300.00} ) and he would speak to management about canceling XXXX XXXX XXXX ( {$790.00} ). However, there is an additional fee, XXXX and XXXX XXXX that I wasn't aware of that is {$1900.00}. So, I still have to pay {$2000.00} more than what I initially agreed to.
The finance XXXX promised me he would speak to his general XXXX and emailed me stating that he will try to fix the next day and message me in the morning. However, he did not email me or message me that following morning. On XX/XX/XXXX I called him. He said XXXX I thought I have answered you. There was no accountant today. I will message you tomorrow. ' On XX/XX/XXXX, I again had to call the finance XXXX due to no response from the dealership and he stated : Ah it is my day off today. I work tomorrow and will give you an update.
I feel as though I have tried to resolve this issue through talking to the dealership, however, they are not eager to resolve these problems.
|
| 02/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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Originally went and bought XXXX on XX/XX/XXXX at XXXX XXXX XXXX in XXXX nc. I signed a retail installment contract for XXXX months at {$32000.00} at 18 % apr. first payment date was to be XX/XX/XXXX I then was told by XXXX XXXXXXXX at a later date in XXXX, I had to go back and resign the loan with a shorter and cheaper term because the bank denied the original. When I went back in XXXX I was told to sign this loan at XXXX month term and XXXX apr which would make my monthly payment {$720.00}. First payment date shows XX/XX/XXXX also. The paperwork I signed at the dealership says XXXX XXXXXXXX is the creditor for the retail installment contract. XXXX XXXXXXXX assigned the contract to Chrysler capital. I made my first payment on the vehichle on XX/XX/XXXX. The Chrysler capital website has never had the details of the loan on the website. I just recently went to the website and determined my payoff amount as of XX/XX/XXXX is {$28000.00} almost 4 years later. I went back and looked at the payments I have made, totaling {$37000.00} and realized something is wrong. I went and looked at the amortization of the first payment and saw it did not reflect the proper amount of an 18 % apr loan with daily interest. I contacted XXXX XXXXXXXX finance manager XXXX, who looked back at my original loan and determined they definitely werent applying this right. I was then told that the issue was between me and Chrysler capital and to call them about it. I have spoken to multiple at Chrysler capital who have informed me their policy is to start the daily interest based on the date of purchase. They said I had XXXX days of interest before my first payment adding to about ~700 so only about ~134 went to principle on the first payment versus well over ~ {$200.00} if the loan was as agreed in the contract. This has caused the principle balance of the loan to be higher in every subsequent month due to their breach of contract. As such the original apr of 18.0 % which would have been the legal maximum in NC at time of purchase to be not applied, and changed to an apr of 18.132 %, as of the first monthly payment, and possible higher than that even in subsequent payments. The loan has also reported a higher balance on my credit report since inception due to the breach of contract by Chrysler capital, and usury of 18.132 % apr. the terms disclosed in the federal truth in lending disclosure match the loan I signed and a daily calculated apr rate of 18.0 % on the date first payment is due. in no manner does the contract say apr starts daily at day of purchase or any other manner. Technically I also believe since I had to resign a loan or return the vehicle in XXXX, I dont believe XX/XX/XXXX to be my date of legal purchase anyway under those circumstances, but this is irrelevant to the fact my contracted amount has been changed. XXXX XXXXXXXX informed me that that was/is a common contract they use and Chrysler capital informed me that all loans they put in their system start interest daily at the Date of purchase, not first payment date. Provided this information I am still getting the run around and no resolution from either party. XXXX XXXXXXXX says this is not their problem, however Chrysler capital has told me several times they ( XXXX XXXX XXXX ) are my point of contact for the issue. According to NC law statute 24-2 I should be entitled to XXXX the dollar amount of total interest paid on the loan. As of XX/XX/XXXX that amount would be {$34000.00} x 2 equaling {$69000.00} I also believe that North Carolina laws says since Chrysler capital breached the contract and charged an amount of usury on the loan, the remaining {$28000.00} should be erased, as a condition of giving the lender back the vehicle, returning to our non relationship before the breach occurred. I also have requested Chrysler capital to remove the loan from my credit reports, and they have not complied, even though XXXX who I spoke with at their executive office agreed they breached the loan and the terms were not accurate. I have been so stressed over this blatant unlawful act by Chrysler capital, and just want what is the rightful recourse based on North Carolina law. I also believe that every customer that purchased a vehicle with XXXX XXXXXXXX using that contract and financing with Chrysler capital has been unlawfully over charged on their loan, if the corporate policy of Chrysler capital is truthfully to start interest at date of purchase, irregardless of what the contract they bought states.
|
| 11/03/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Over the past several months i consumer/creditor who have been entitled to full faith and credit have been under dress and threats causing disruption to potential livelihood and house affairs by SANTANDER CONSUMER USA. Despite all debts belonging to the US per Title 18 U.S.C. 8 ; SANTANDER CONSUMER USA has thought it proper to ignore the XXXX and allege that consumer/creditor is a debtor. Please Examine the United States of America DEPARTMENT OF STATE cover page entitling to full faith and credit. SANTANDER CONSUMER USA has been notified of this on several occasions through mail correspondence, telephone communication and the likePlease Examine the Affidavit that Santander did not respond to in the proper allowable time of 21 days and the receipts associated with those Affidavits of truth. In law an unrebutted Affidavit stands as TRUTH in commerce. These alleged violations are not substantiated in reality that SANTANDER CONSUMER USA is attempting to inflict against consumer/creditor because the day ( XX/XX/XXXX ), the transaction was it was paid in full by credit under the agreements ; Please Examine the first paragraph at the top of the 553-MD-e 9/21 document. Not only these issues, but the consumer/creditor was denied his right to rescind his signature under title 15 U.S.C. 1635, 1026.23 ( consumers right to rescind ) ; 12 CFR 1026.15. This right was interfered with and SANTANDER CONSUMER USA has attempted to use harassment via communication device ( phone ) and the UNITED STATES POSTAL SERVICE ( USPS ) to stalk and intimidate consumer/creditor ; this type of behavior violates title 18 U.S.C. 876 ( mailing threatening communications-House ) ; 18 U.S.C. 1341 & 1342 ; this all violates title 15 U.S.C. 1692 ( d ), ( 1 ), ( 5 ), ( 6 ) this all violates the Fair Debt Collection Practices Act ( FDCPA ). Please Examine the printouts of repeated daily calls with times and dates. With this malicious behavior SANTANDER CONSUMER USA has violated public notice Copyright, Copyright-Copy : Claim and Trade Name/Trademark. It has been expressed that consumer/creditor does not nor ever will consent to bein represented in any manner and or likeness by SANTANDER CONSUMER USA and therefore SANTANDER CONSUMER USA is in violation of Copyright, Global Copyright-Copy Claim and Trade Name/Trademark ; which cost for violations is {$500000.00} plus triple damages totalling {$1.00} XXXX. Please Examine copies of Notice of Surety Act and Bond in silver ; recorded XXXX financing statement, global copyright : copy-claim, and Affidavit of Contract. If you were to Examine further you would see that 1099 A and B has been filed with IRS/Treasury department accepted and notifications sent out to all parties ; which SANTANDER CONSUMER USA has failed to ignore. Please Examine copies of IRS/treasury department notifications of acceptance and disbursements to all parties. Concerning account filing has been sent to XXXX XXXX XXXX Office of the Executive Secretary XXXX XXXX in regards to this account and the conveyance. In addition Adverse Actions were taken against consumer/creditor at dealership when they were informed that unless they sign a certain way then they would not be extended their credit ; this violated titled 15 U.S.C. 1681. Please Examine signatures signed without prejudice UCC 1-308 and request to see SANTANDER CONSUMER USA signatures and you will see that they dont match up that there is more than one contract which is Fraud Ab initio . Full Disclosure was not given that the contract was gon na be sold to SANTANDER CONSUMER USA and that it was gon na be used securities for its investors dividends. Full Disclosure is the first aspect of Contract Law and none of that was given. SANTANDER CONSUMER USA reported to pseudo quasi credit-bureau on XX/XX/XXXX that the account was closed and that the last payment was on XX/XX/XXXX. Please Examine account details from XXXX XXXX printout. With the threats and malicious intent of SANTANDER CONSUMER USA consumer/creditor is afraid for tribe and offspring ; because of SANTANDER CONSUMER USA and its bullying tactics thus far they are creating a potential XXXX defined under the American Disability ACT ( ADA ). That is defined as a physical or mental impairment that substantially limits one or more major life activities. Being able to safely be in transit in one 's conveyance and care for their offspring and self via employment is a major life activity covered under the right to life, liberty and the pursuit of happiness.
|
| 09/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I've had an auto loan with Santander Consumer USA since XX/XX/XXXX. I called their office on XX/XX/XXXX and spoke with XXXX ( ID # XXXX ) after noticing the credit reporting for my account hadn't been updated since XX/XX/XXXX. I requested a review of my account because I've been charged {$30.00} late fees and reported 30-59 or more days past due since XXXXXXXX XXXX XXXXXXXX, even though I'm still making full payments each month. During COVID our family suffered some of the same hardships as others ( job loss, eviction from our home of 10 years... ). I maintained periodic contact with Santander during this time but eventually requested to be on the " no-call '' list due to excessive daily collection calls from auto-dialers and Santander representatives. I briefly lost contact with them during our move at the end of XX/XX/XXXX until receiving an email notice that my car was in repossession status. I immediately contacted Santander to discuss options to bring the account current but was again refused assistance and reminded of the previous 11 extensions, most of which were COVID related. I expressed feeling it was unfair for them to penalize their customers for extensions granted during COVID but was told they aren't guaranteed and they're not obligated to do so. I continued making payments as best I could but also recall having repeated, lengthy discussions with Santander representatives in which I was asked to disclose invasive, personal details about my life as to why the account continued to be delinquent. I continued to request assistance during each of these calls to no avail. In XX/XX/XXXX, I requested a more thorough review of my account by Santander 's executive office because I felt the payments I had made to date were being improperly allocated by the computer system following the interest rate reduction. During these discussions, I also brought the ongoing inaccurate credit reporting to their attention and discussed my continued inability to bring the account current without assistance. After spending countless hours on the phone giving repeated explanations to multiple representatives across several days, I was finally able to speak with someone from the executive office. She agreed there may be some unresolved issues with the account, so she requested a manual review by their legal department. The conclusion of this review was that the account needed some adjustment, however, they only agreed to waive {$200.00} of the late fees that had accrued. I don't recall the specific amount of the adjustment but it was only enough to remove the vehicle from repossession status, not bring the account current, and they advised they still could not grant any further extensions. I've continued to make full monthly payments since then but the account remains in a delinquent status. I've had this loan for approximately 51 months and have paid Santander in excess of XXXX XXXXXXXX for this vehicle but also still owe over XXXX XXXX. On XX/XX/XXXX I reviewed my credit monitoring through XXXX and XXXX for the account and it hadn't been updated since XX/XX/XXXX. Santander insists they update their reporting to the credit bureaus monthly and blames them for not updating the accounts within 30-45 days. As previously stated, Santander 's charged {$30.00} late fees and reported me 30-59 days or more past due each month since XX/XX/XXXX due to their ongoing refusal to provide any assistance, while also receiving full payments each month per the contract. I believe this to be an intentional, regular practice by Santander to entrap their customers by preventing them from being able to refinance or purchase another vehicle elsewhere. Santander knowingly puts their customers in a " no choice '' scenario... either continue paying us double or more of the vehicle 's fair market value with high interest or risk certai! n repossession after paying us for years... THERE'S NO WAY OUT! They prey on consumers with credit issues knowing there's a high probability of default going into the contract. Santander sets the payments and interest so high that a large majority of their customers aren't ever able to pay off their loans. How much more money does Santander intend to milk out of this XXXX XXXX mother of XXXX on a fixed income for this XXXX old car? They've been held accountable for some of the same deceptive practices in 34 other states but not in Texas? ENOUGH IS ENOUGH... why is Santander being protected more than Texas consumers?
|
| 05/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Dear CFPB, Santander is refusing to give me the title for my car despite it being paid off in full. I have had numerous interactions with staff and their corporate office, last payment was made XXXX of XXXX. The vehicle has been paid in full. Santander is stating there is an unpaid balance of {$6000.00} of unpaid interest to which I am contesting and disputing. Payments to my car were made on time according to the agreement that was made at the dealership. I invoked deferments and paid those off by continuing to pay on the vehicle for a year longer than the original loan amount to cover the 11 months of deferments, which were all paid in full. There was a period where I was late on payments in XXXX, and the vehicle was temporarily repossessed to which we entered an agreement to continue paying to keep the vehicle, to which I complied with until the end of term. Santander is trying to state they were charging me {$2.00} a day in interest to which I did not know about, nor agree to. This went on for 4 years of payments and only found about it when they refused to issue my title. I never would have agreed to such extortionairy practices. If Santander has a document with me agreeing to, and initialing or signing next to agreeing to that specific amount of interest charged, then I wish to see it. But they have no such document and can not prove I was aware of any such DAILY INCURRING LATE FEE CHARGE.
Furthermore, the vehicle was temporarily repossessed through illicit and unethical means. It was repossessed using a tracker, to which they have currently stopped doing because it was deemed an unethical business practice when we all know Santander admitted to consumer protection fraud and anti trust violations to the tune of a half XXXX dollars, to which I should have been included and had my loan forgiven under those terms. Unfortunately, Santander gets to decide who was qualified for being taken advantage of during their time of violating the consumer protection laws. I do not trust what Santander says because they were found guilty of consumer ( customer ) fraud and anti trust violations. They were lucky I did not know about the suit and continued paying on the loan, or else I would have stopped way back when the charges were brought against the company and sought a forgiveness of the loan back in XXXX.
Furthermore, Santander has refused to report my good credit standing that I had with their company to the credit bureaus for paying off the loan as agreed to at the dealership. I am asking for nothing less than the title for my vehicle for Santander to tell the truth be told about my good paying credit history with them to the credit bureaus, because that is nothing short of what actually happened and they should be ordered to report the good credit I have with them, which is a near almost perfect repayment history with their bank. Santander a ridiculous predatory bank who cares nothing about good customer payer bases or customer retention. By law, at the very least they should be ordered to report the truth to credit bureaus regarding the repayment facts of my loan, regardless of the title status.
Santander is a predatory, foreign company taking advantage of U.S. Consumers. Going forward, I will not be paying one single cent to Santander and this auto loan will fall off my credit from the date of last payment. The vehicle is not worth what they are claiming I owe on it, it has a blend door issue which makes the vehicle almost worthless as it does not have heat or air conditioning, and it is a {$3000.00} fix meaning the dealership has to remove the windshield and the dashboard to fix it. Coupled with the fact the car has XXXX miles on it an is ten years old makes it virtually worthless. If Santander has not made any effort to reclaim the vehicle it means it's virtually worthless to them. Why would they make me pay for a vehicle that is worthless to them if it is not worth it. Santander employs unethical and shady business practices to extort and exploit money out of US consumers.
I demand that the company release the title to me immediately, and report my good credit repayment standing to all three credit bureau 's, as it has been paid in full according to the agreement made at the dealership and forgo any ridiculous accused daily interest exploitation, and report my good payment history in accordance with US law.
Sincerely ; XXXX XXXX
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| 03/10/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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My name is XXXX XXXX. XXXX ( maiden name XXXX ). On XX/XX/XXXX at approximately XXXX XXXX XXXX, I received a call from a XXXX female that stated she was a paralegal calling from a law firm allegedly named XXXX XXXX XXXX XXXX XXXX. Unfortunately, when she called me for the first time, I was on a public bus so I was unable to get her name, but was able to retain the name of the alleged law firm she was calling from in regards to the purpose of her contacting me. She stated that she was a paralegal with XXXX, XXXX XXXX XXXX and calling on behalf of a former creditor that I once did business with over fifteen years ago. She stated that the former creditor, who she allegedly states as Santander, is suing me for a debt that was filed under my XXXX XXXX bankruptcy back in XXXX for {$1300.00}. I explained to the XXXX woman from this law firm that allegedly is representing the creditor attempting to sue me for the XXXX debt that it WAS XXXX along with 22 other creditors in my XXXX XXXX bankruptcy and that even after I spoke with her after we got off I reached out to Santander and they confirmed that I NO LONGER have any opened or closed accounts with them, specifically and did not know why any law firm would contact me on their behalf in regards to obtaining a debt that was successfully settled via my XXXX XXXX bankruptcy. On XX/XX/XXXX at XXXX p.m. pst, I received another call from the same law firm. This time it was a XXXX man that called me stating the exact same information. Just as with the first call that I received earlier in the week on XX/XX/XXXX, from the XXXX woman, I also gave the XXXX man the same exact answer as I did the XXXX woman. In that same call, since I had already spoken with Santander and confirmed that the debt this law firm is attempting to collect from me was already settled back in XXXX, I offered to the XXXX gentleman who called me the second time from the law firm still attempting to collect the debt allegedly owed to their client, Santander, a chance to place a three way call to have Santander verify themselves with this alleged law firm that ANY DEBT from Santander specifically has been paid in full and/or satisfied. The XXXX gentleman I spoke with from XXXX XXXX XXXX XXXX XXXX stated that he was not interested in doing any three way calls and then began to act irate with me over the phone and then since I refused to pay them any money, he hung up on me. There are so many things out of place with the only two calls that I received on both XX/XX/XXXX and XX/XX/XXXX. Neither one of these associates claiming to be employees of this alleged law firm, XXXX XXXX XXXX XXXX XXXX verified ANY of my information to confirm that either of them were speaking only to the intended debtor, nor did they say the standard legal debt collector greeting that is usually said-This is an attempt to collect a debt and any information will be used for that purpose. I also tried looking up their website online via all the available search engines ( XXXX, XXXX, bing ) and none of them listed an actual website let alone a valid main contact number for XXXX XXXX XXXX XXXX XXXX. I also requested on the second call from the XXXX man that was with the alleged law firm to send me an email to confirm any information about this debt that Santander allegedly is suing me for and I have yet to receive any email from XXXX XXXX XXXX XXXX XXXX stating this alleged claim against me for a debt that was settled via my XXXX XXXX bankruptcy. Since I am assuming that this is a fraudulent law firm attempting to scheme random people out of their hard earned money, I would like to have this company investigated and stop them from pursuing other honest hard working people like myself and others. The only contact information that I have is just these two phone numbers that the XXXX woman and XXXX man called me from on the two separate occasions. The first call from the XXXX woman that contacted me on XX/XX/XXXX called me from the number XXXX. The second call that I received from the XXXX man on XX/XX/XXXX called me from the phone number XXXX. Please let me know during any investigations that are ongoing with this company if I can be any assistance to you. Thank you in advance for any and all assistance that can be provided in the the attempt to thwart these fraudulent debt collector scammers from financially harming anyone else. Enjoy the rest of your day and have a good weekend.
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| 10/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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In XXXX of XXXX I needed a new car. I had recently had a bankruptcy XXXX so I knew that I was going to have to pay more for credit, that isn't my issue. My issue is that I was given this loan at all, and I have an issue with the car dealership for selling it at the price they did. It leads me to believe that they work closely with this lender to approve loans for people in similar situations as my own. The car is a XXXX XXXX XXXX XXXX. I purchased this vehicle for {$18000.00}. It had XXXX miles at the time I purchased it. I would like to re-cap that I was sold a XXXX XXXX XXXX XXXX XXXX for {$18000.00}. XXXX does not negotiate price, so that's what I paid. I also purchased a service contract for {$2500.00}. Tax title and license put financing around {$23000.00}. As I stated before, I didn't have an issue with the interest rate at the time of purchase. The rate is XXXX XXXX. I knew it would be high because of the bankruptcy. I also knew that in 6 months or so I could try to refinance it, and possibly get a lower rate. When I tried to refinance it I was denied, not because of my credit, but because the loan to value ratio would exceed 300 %! I was in disbelief with the first company that had given me this information. So I tried another. When I was denied again for the same reason I did some research. It turns out the XXXX XXXX XXXX XXXX was not a car that held it's value. In fact when I bought it in XXXX of XXXX, the loan value of it was not {$18000.00} like the price, nor was it {$23000.00} like I financed. It was {$7000.00} just like it is right now, 6 months later. I understand that car dealers can set what ever price they want for their vehicles, and if you buy it that's really your issue, but banks don't work like that. Why would the bank approve a loan for nearly {$23000.00} using collateral that is only worth {$7000.00} for a person who just had a bankruptcy XXXX? Whom ever approved this loan would have to know that the person making the purchase was going to be hurt by this purchase in the long term. The vehicle itself being XXXX XXXX XXXX with XXXX miles made it high risk already. Add a 60 month loan to that equation and you get either a repossessed car a few down XXXX XXXX that is only worth a fraction of what is still owed on it, or you get a person who obviously had already struggled financially who will struggle even more as the car ages and costs more to repair and maintain then it's worth. In this scenario there is no way out for the consumer, unless they experience a wind fall financially or the vehicle is involved in a total loss accident. This loan given to me by Santander XXXX should have never happened! XXXX should be more responsible and not price gouge people, especially during a pandemic. It appears to me that the XXXX of them work together to make as many sales and loans as possible, regardless of hurting consumers and having an overall negative impact on our economy. It's possible that this is the result of only a few people with in both organizations that have a closer connection and scratch each others backs. That doesn't really matter, because there are checks and balances built in to banking systems to prevent things like this, and those failed with intent. I have not contacted either company because I don't know where to start. Santander is huge world company. I doubt that calling customer service would get you anything more than a headache from the hold music. XXXX on the other hand is different, except there isn't anyone to talk to. Out of the possibility of embarrassment, and for the convenience, I applied and secured my loan online. I did have a couple of inbound phone calls to verify my identity, but I never met anyone. I picked out the car online, purchased, and picked it up the next day. I never even test drove it. After bankruptcy I was so happy that I was approved so easily that I didn't question any of it. I feel taken advantage of, and embarrassed. If I could undo it all I would. If that isn't possible in anyway, I feel like lowering the loan to 0 % interest is fair. That would allow me to be able to pay it down faster so that I can possibly get a newer more reliable car in a couple of years, instead of 5 years from now, or the loan itself is cut in half and XXXX and Santander can battle out the difference instead of taking advantage of me. Is there any help for me with this?
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| 11/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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a person is fully aware that its act will cause damage to another person but. nevertheless, performs the act and, irrespective of whether it so wishes, allows the damage to occur is capable of causing damage but believes that the damage will not occur or will be able to be prevented.
To whom it may concern I am a consumer practicing my legal rights on XX/XX/XXXX. XXXX. I purchased a vehicle from XXXX XXXX XXXX. In the city of XXXX, CA. As I was reviewing my contract. I have noticed several Inaccuracies Perform on this contract, from the amount being borrowed to the high sale tax percentage to the terms of XXXX Which is not accurate on this contract. Is showing A terms of XXXX. I have put down {$5000.00} for the monthly payment to go down {$570.00} Is the calculation that the dealership Put down on this contract. Which is incorrect the numbers don't add up on the application. the money That was borrowed from the bank was. XXXX on the sticker of the vehicle Shows {$28000.00}. My calculations show. that if I put {$3000.00} down. My monthly payment would be {$560.00}. since I paid {$5000.00} My monthly payment should be around {$400.00} You can correct me if I'm wrong. The arbitration clause was not Properly explained My understanding this was optional. The dealership was charging me {$500.00}. In case I cancel. Which I was not required as mentioned in the contract. I was pressured to get an auto gap When I knew this was optional the sale XXXX. Assure me That I needed it to take the vehicle out of the lot When I knew I didn't have to I signed the documentation Because he insisted. in top of that, there was a XXXX security system. That was optional. He insisted that I needed it When I mentioned to the Sales XXXX if the vehicle has an alarm that came with the car, I didn't need to have it. in the contract, the sales XXXX continues pressuring me to get this alarm. the vehicle also came with a Ceramic coding. And a GSDEG.w/doorcups That did not come with a vehicle. This came out to be {$990.00}. This ceramic coding came out to be. {$990.00}. That is included with the security system. I did not ask for all this, and this was mentioned face to face at the time of the sale. The documentation of the truth in lending act Showing the consumer he's rights was not provided He never bothered to explain to the consumer his legal rights on the contract. My understanding is the following. The Truth in Lending Act ( XXXX ) is a consumer protection law enacted in XXXX in response to exceeding predatory loan practices. Prior to the TILA, lenders would use a variety of terminology and forms of lending that manipulated uninformed borrowers. The XXXX changed this by requiring a uniform system of disclosures and terminology to be used for lending like credit cards or mortgages. Creditors were required to disclose details like the annual percentage rate and repayments details in a clear way to borrowers or else the borrower XXXX be able to rescind the debt. XXXX also limits the amount of late fees creditors can charge. Overall, the XXXX since its signing has been updated to respond to changing lending practices to ensure borrowers clearly understand the terms and conditions they agree to. In case you did not know What Is Regulation Z?
Regulation Z is a Federal Reserve XXXX rule that requires lenders to give you the true cost of credit in writing before you borrow. That includes spelling out the amount of money loaned, the interest rate, APR, finance charges, fees and length of loan terms. In short, Regulation Z is another name for the Truth in Lending Act. The XXXX are used interchangeably. The TILA and Regulation Z have been amended so many times since passage in XXXX that it would take a book to describe all the changes. The first came in XXXX and prohibited unsolicited credit cards, but that was just the start of an onslaught of amendments dealing with almost every aspect of lending and credit cards. XXXX of the major amendments was to give the Consumer Financial Protection Bureau ( CFPB ) rulemaking authority under the TILA. The CFPB has used it muscle heavily in this area, issuing rules for ability-to-repay requirements for mortgages, refined loan originator compensation rules and points and fees limits that apply to qualified mortgages.
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| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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BACKGROUND XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX ( hereinafter the vehicle ), which was financed through Santander Consumer USA. On or approximately XX/XX/XXXX I loaned the vehicle to a friend to use for a few hours. The vehicle was never returned and in accordance with NJ XXXX law I reported it stolen to the local Police and my insurance company, XXXX. XXXX opened a claim and investigated, also contacting Santander advising that I opened a stolen vehicle claim. Despite overwhelming evidence, the local police refused to list the vehicle stolen or report the in the national alert system for stolen vehicles. XXXX was unable to continue and pay the claim without this.
In XX/XX/XXXX I contacted Santander to find out if the vehicle had been located and was informed that the vehicle was recovered and in XXXX. I was ecstatic and asked the address where it was being stored as I wanted the vehicle back and catch up the back payments. I was put on hold and when the Santander representative came back on the line, they refused to give me any information and ended the call. Another call to Santander had the same results.
In XX/XX/XXXX I received a call from my insurance company, XXXX, regarding my damage claim for the XXXX XXXX XXXX. I had not filed a damage claim and after the adjuster looked further into the claim, she advised me that Santander had filed the claim. I was never contacted by Santander or informed that the vehicle was damaged and that they filed a claim with my insurance company. Only until XXXX contacted me did I learn of the fate of the vehicle or received any information regarding the vehicle whatsoever. Regardless, after investigation XXXX deemed the vehicle a total loss and Santander received a check in the amount of {$26000.00} dated XX/XX/XXXX.
Despite being paid by XXXX, Santander continued to report the account as a Write/Charge off and I disputed twice before changed the account status. It was no longer a charge off account but was and is still inaccurate. Copies of Santander Account as reported to XXXX, XXXX and XXXX in the months prior and following the insurance claim available if needed ) CURRENT STATUS OF ACCOUNT In XX/XX/XXXX Santander reported the account to the credit bureaus as 30 days past due. The monthly payment for the vehicle was {$770.00} per month, at 30 days late the past due balance was listed at {$2300.00}. During this time Santander called me every day. On two occasions I spoke to a Santander representative and explained that a total loss claim was filed by Santander and was paid. I was still wanted to pay in full the remaining balance of approximately {$5000.00} but at that time I was at work and was not allowed to be on my cell phone. I asked that a representative contract me after XXXX XXXX est. The representative hung up on me without a response. Santander continued to call every day and I was able to answer again despite being at work. Again, I explained the situation and wanted to pay off the balance due, however I could not pay {$770.00} a month and as it was listed as a vehicle loan, I have been unable to purchase another car. The representative said that it was a vehicle loan and no changes would be made. I asked to speak with a supervisor and was told that this was the department handling the account and that is who I needed to speak with. I repeatedly tried to work with Santander and pay the balance due despite that they wouldnt work with me when the vehicle was recovered, filing an insurance claim with my insurance company under my policy never contacting me prior to doing this and even when they were misreporting the status of this account to the credit bureaus I tried to work out a repayment schedule for the balance due. Santander refused to do this and continues to call me every day, while I am at work. ( attached are phone records of these calls ) As you can see this is not the typical situation with an account, but I have never had a bank or lender refuse to work with someone willing to pay the balance due and to be so secretive and deceitful in the handling of an account. It is only after repeated attempts to work this out directly with Santander do I submit this Complaint and ask for the Consumer Financial Protection Bureau for help.
Thank you
|
| 01/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American |
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RE : Questionable car loan for a senior citizen on a a fixed income.
Car : XXXX XXXX XXXX Date of Purchase : XX/XX/XXXX Loan Amount : {$27000.00} Monthly Payment : {$550.00} XXXX Due Payments : XX/XX/XXXX and XX/XX/XXXX Trade in : XXXX ( no payments ) Claimant : XXXX XXXX XXXX, XXXX, XX/XX/XXXX Senior Representative : XXXX XXXX XXXX ( Daughter ) ( XXXX ) ( Granted third party access with Creditor the week of XX/XX/XXXX ) Respondents : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX, and XXXX XXXX Santander Consumer USA Statement of Facts : XXXX, XXXX XXXX, came home to XXXX from XXXX the week of XX/XX/XXXX, to help my father, XXXX XXXX XXXX XXXX, wind down his estate ( cook, clean, medical errands, estate planning, financial assistance, etc. ). He has been terminally ill since XXXX of XXXX and needs hospice care.
When I arrived, I was surprised to learn that my father was able to trade in his XXXX for a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. My father is on fixed income and can not afford a monthly car payment. A credit check should have revealed that this payment amount consumes the majority of his Social Security check.
The dealership and creditor should have turned him down for credit based on his income to debt ratio. Instead the dealership knowingly traded my father for a XXXX that was in pristine condition, no payments and low miles, for a XXXX with high payments. The dealership was able to sale the XXXX immediately for significantly higher price than the trade in amount. Any reasonable person can conclude the following : " Dad you were hustled out of nice car with no payments. They know you would not be able to make the new car payment. They can see and hear that you did not have long to live. Now they will repossess the XXXX. '' He cried and pleaded for help. He has to make the choice between his house payment or a XXXX ( he can't even climb into ).
On or around XX/XX/XXXX, I contacted the finance company to work out a payment schedule for my XXXX. He missed the XX/XX/XXXX payment. I explained he was in the hospital for several weeks in XXXX. He is late on his XXXX payment. We made a promise to pay his first payment next week. We asked if we could set up payments for the third week of every month when he receives his social security check. We were denied because the loan is not current. I asked if the XXXX payment could put at the end of the loan so when we make the XXXX payment and he will be current for XXXX and we can make scheduled payments, we were denied. I asked to speak to their legal department. They said don't have on and transferred me to their escalation department. I asked representative at Santander Consumer USA if my father has XXXX XXXX XXXX. They responded he does not have XXXX XXXX XXXX. I asked if it could be added considering they believed he would live long enough to make his payments. They declined. I expressed concern. How was he extended credit on a limited fixed income with no XXXX XXXX XXXX? I explained he is confined to either the home or hospital and has not been able XXXX XXXX the car more since he purchased it ( someone has to help him with errands ). They said they can't turn down seniors because they could be accused of XXXX discrimination. I responded that my Dad should've been turned down not own the basis of age, rather that he on a fixed income, is in poor health and the totality of his circumstances should've been considered before he was approved for credit. They concluded that my Dad has buyers remorse and said there was NOTHING they could due to help. ( please note they did not talk to my father, only me. ) I believe the Respondents were motivated to sell my Dad 's trade in for a significant profit. They knew he was at the end of his life ( you can see that he struggles to walk as they sold him a lift to get in the vehicle, and they can hear he has labored breathing, and hard time sitting up ). They knew it was foreseeable that they would be able to repossess the XXXX before the end of the contract.
XXXX XXXX : XXXX XXXX XXXX and a low monthly payment, or a XXXX with no payments, pristine condition and low miles.
|
| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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consumer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX United States RE : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies Account XXXX XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal, family and household purposes which is also damaging my ability to obtain consumer essential goods. You and your inaccurate reporting have damaged my livelihood.
15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
.
Duty-A moral or legal obligation ; a responsibility Accurate- correct in all details ; exact Prohibition- the act of prohibiting by authority ; the action of forbidding something ; a law or regulation forbidding something As defined by IRS EVEN IF YOU DIDNT RECEIVE A FORM 1099-C, YOU MUST REPORT CANCELED DEBT AS GROSS INCOME ON YOUR TAX RETURN. THE IRS CLEARLY DEFINES A CHARGE OFF AS GROSS OR ORDINARY INCOME, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT. Which in fact makes your reporting of this account inaccurate.
By definition the IRS clearly says a canceled debt or charge off is income. The reporting of this account as a debt is inaccurate, 15 USC 1681s-2 says you XXXXSANTANDER is a furnisher of information to a consumer reporting agency. You are prohibited by law to not FURNISH inaccurate information. I demand you to cease and desist the reporting of incorrect/inaccurate information.
15 USC 1681s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
You are hereby put on notice that you are furnishing incorrect and inaccurate information.
A lender must file 1099-c and send me a copy if the amount of debt is {$600.00} or more. And the lender is a financial institution, credit union, federal government agency, or other applicable entity as earlier discussed in Chapter 1 15 USC 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and DELETE this erroneous inaccurate account from my consumer report.
You have ( 10 ) ten calendar days to DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.
As well as XXXX XXXX XXXX or any derivates thereof and all addresses, employers and birth year under the privacy act of XXXX and the right of financial privacy act of XXXX, all personal information relating to anyone but XXXX XXXX as all addresses are inaccurate information. Report number XXXX REMOVEXXXX XXXX XXXX and any address associated with that name, it is not me.
XXXX Auto-charge-off and SANTANDER-charge-off
|
| 09/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
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Web |
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On XX/XX/XXXX my personal vehicle was stolen from private property by an unknown towing company.
On XX/XX/XXXX I contacted the finance company Chrysler Capital and was told after multiple attempts to retrieve information my vehicle had been repossessed. I was told a company by the name of XXXX XXXX had the vehicle in their possession.
On XXXX I contacted XXXX XXXX and was told they could not help me without the VIN number On XXXX I reached back out to Chrysler Capital to see what the issue was why my vehicle was stolen in the first place and for my VIN number. I was told it was because of a billing error on their behalf and I could call XXXX XXXX and at least retrieve my belongings.
On XXXX I reached back on to XXXX XXXX and was told to contact XXXX XXXX XXXX to retrieve my belongings. I spoke with a representative who made an appointment for XX/XX/2023 at XXXXXXXX XXXX
On XXXX I received a call from XXXX XXXX while I was working and unable to speak on the phone. I contacted them back after work and they were closed.
On XXXX I received a phone call from XXXX XXXX XXXX XXXX who stated that they were unable to keep the appointment because they took my personal vehicle out of state to Maryland . However, she could not provide me with a location to retrieve my belongings. I requested to speak with a supervisor XXXX stated she was the supervisor. XXXX stated XXXX XXXX hired someone to break into my vehicle took my registered firearm and gave it to the police case # XXXX. I am extremely concerned due to the amount of money and valuables that were in my vehicle being over {$10000.00}. XXXX advised me I would need to contact Chrysler Capital, they hired a transporter to come and pick up my vehicle from their lot. I reached back out to Chrysler Capital and spoke with XXXX she stated that Chrysler Capital did not have the vehicle removed from the tow company the tow company had it removed because of storage purposes I asked where the vehicle was located again to retrieve my belongings. XXXX stated she could not provide me with this information and transferred me to XXXX the manager at Chrysler Capital. XXXX was advised there is a lien placed on the vehicle and they could not legally auction it off. I requested a copy of the contract, accounting, and arbitration information. XXXX stated that he could not provide this, and I would not be able to get the location of the vehicle unless I paid the balance off, I advised him that there is an error in billing and this needs to be reviewed before any further action is taken.
XXXX contacted XXXX XXXX to get the location of the vehicle he stated that they would not provide me any information on where the vehicle was located, and it could not be auctioned off until XX/XX/XXXX and transferred me to XXXX at XXXX XXXX after he agreed he would stay on the call.
XXXX stated that they had nothing to do with the transporting of the vehicle that was Chrysler Capital they were not aware of the vehicles location I would need to contact XXXX XXXX XXXX XXXX on XX/XX/2023 to retrieve information on the location and she would have a manager follow up on XX/XX/2023.
In accordance with the law there have been multiple violations. Pursuant 15 USC 1692 ( c ) - Available Non-Abusive Collection Methods states that a debt collector may not use any abusive debt collection practices.
Pursuant to 15 USC 1692 ( d ) - Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
Pursuant 15 USC 1692 ( f ) - Any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide escrow arrangement ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
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| 05/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to report on various violations of the Fair Credit Reporting Act ( FCRA ) from the following organizations, Santander Consumer USA, a derivative of Santander Holdings, Inc and XXXX XXXX ( further known as BANKS ) and XXXX, XXXX and XXXX ( further known as CREDIT REPORTING AGENCIES ). First, all companies, including BANKS, have agreed to follow the regulations to protect consumers ' information. Both BANKS listed have agreed to federal regulations within privacy ( Grimm Leach Baily Act ) and for fair credit reporting ( Fair Credit Reporting Act ). The information that is shown on the consumer report is in violation of more than these regulations and has adversely affected my life as it bears on the credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics and mode of living. The violations are as followed : Opt Out Laws - BANKS are required to give us the opportunity to opt out of any information. I have not received any notifications to date and my information is still listed with the credit reporting agencies. 15 USC 1681 section 604 ( a ) section 2 states that In general subject to subsection c, any consumer agency may furnish a consumer credit report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. The CREDIT REPORTING AGENCIES and BANKS do not have, nor did I ever give, my permission to and written or any other consent to furnish this information. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non disclosure option. The BANKS never informed me of my right to exercise my nondisclosure option. Further, it is illegal to show payment history as it is in violation of all privacy policies, including the Privacy Act of 1974. To add, this account is an adverse item that is in violation of of USC 1681 ( c ) ( 5 ) which states : Except as authorized under subsection ( b ), no CONSUMER REPORTING AGENCY may make any consumer report containing any of the following items of information : Any ADVERSE item of information other than records of convictions of crimes which antedates the report by more than seven years. Further, the credit reports shows information that falsely represents the status of the account. The accounts show as charge off, which, according to the IRS rules and regulations, these are now CERTIFICATES OF INDEBTEDNESS, which means they are ultimately income and income can not appear on credit reports- another violation!! It is stated that every consumer reporting agency shall maintain reasonable procedures when there is cause for information to be inaccurate. 15 USC 1681 ( a ) states A person shall not furnish any information relating to a consumer to any consumer if the person knows or has reasonable cause to believe that the information is inaccurate. Both BANKS have inaccuracies across the board and all information listed on each agency report is not the same. All of this is also in violation of the Privacy Act of 1974. The CREDIT REPORTING AGENCIES are not maintaining reasonable procedures to avoid violations of for fair credit reporting. Per 12 CFR 1026.7, A consumer may exercise the right to opt out at any time : Santander and XXXX XXXX BANKS, I am opting out HOW you have listed this record. For Santander, you will see inaccuracies across all credit reports, the payment history shown and the account shown as charge-off. For XXXX XXXX, you will see inconsistencies across the credit reports in the payment history, the payment history shown and the account shown as a charge-off. I am exercising my consumer rights for the REMOVAL of all payment history and the status of these accounts updated to paid as agreed and XXXX, XXXX and XXXX, I am holding you accountable to ensure these measures are taken in honor and good faith. I have attached the credit reports that reflect some of the violations listed in this complaint.
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| 10/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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Notice & Warning To : Santander Consumer USA From : XXXX XXXX : Of the family XXXX XXXX : All who receive this notice and all listed below FOR : EMBEZZLEMENT THEFT BY DECEPTION & EXTORTION FAILING TO DISCHARGED A DEBT PURSUANT TO 73RD CONGRESS SESS 1. CHAP, 48, 49 JUNE 5, 6, 1933, HUR 192 HR 1491 PUBLIC LAW 48 STAT 112 PUBLIC LAW 73-10 40 STAT TRADING WITH THE ENEMY ACT ( TWEA ) OCT 6, 1917 BUT NOT LIMITED TO : Since House Joint Resolution 192 ( HJR 192 ) ( PUBLIC LAW 7310 ) was passed in 1933, we have only had debt, because all property and gold was seized by the government as collateral in the bankruptcy of the United States .
In 1863 the first bank act was passed. The office of the comptroller of the currency ( or OCC ) is a US federal agency established by the National Currency Act of 1863 and serves to charter, regulate and supervise all national banks and the federal branches and agencies of foreign banks in the United States.
The OCC was created by Abraham Lincoln to fund the American Civil War but was later transformed into a regulatory agency to instill confidence in the National Banking system and protect consumers from misleading business practices.
Thus, it is clear that, as a result of HJR 192 and from that day forward ( June 5, 1933 ), no one has been able to pay a debt. The only thing they can do is tender the transfer of debts, and the debt is perpetual. The suspension of the gold standard, and prohibition against paying debts, removed the substance for our Common Law to operate on, and created a void, as far as the law is concerned. This substance was replaced with a " Public National Credit '' system where debt is money ( The Federal Reserve calls it " monetized debt '' ) over which the only jurisdiction is Admiralty and Maritime.
The definitions of " liability '' and " insure '' will help convince us of this fact, in analyzing these definitions, keep in mind the distinction between " payment '' and " discharge ''. Liability : The word is a broad term. It has been defined to mean : all character of debts and obligations... any kind of debt or liability, either absolute or contingent, express or implied condition which creates a duty to perform an act immediately or in the future duty to pay money or to perform some other service, the state of being bound or obligated in law or justice to do, pay, or make good something. " Insure : " To engage to indemnify a person against pecuniary loss from specified perils or possible liability ''.
15 USC & 1692e ( 4 ), the representation or implication that non-payment or any debt will result in arrest & imprisonment of any person or the seizure, garnishment, attachment or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these two ssn trust ( s ) accounts have already paid for the car in full. Im the surety Account holder ( s ). As the trustee of the account ( s ), I can charge interest on this account from being the trustee ( s ) XXXX XXXX. I will charge an interest of XXXX XXXX dollars a year for being the trustee ( s ). This bill is already paid from the moment we sign I/we, demand proof where the money was borrowed from our ( ssn trust account ( s ) immediately. ( Do not call or text XXXX XXXX, her ( ssn trust account has paid this account ). Santander Consumer USA has taken advantage of Double Dipping payment from ssn trust accounts. The account ( s ) should not be on any credit report that is a direct violation. Any banking institution accepting cash or credit cards payment for car loans or any type of loans, and furthermore car repossessions have no legal standing in court of law. Can be jailed according to the federal postal judge.
Santander Consumer USA, you have been put on notice with this account, If these account ( s ) are not resolved in 20 days further action will be taken against santander consumer usa. This is your final warning & notice.
All Right Are Reserved Ucc-1-308 The Family Of XXXX XXXX : Of The family XXXX UCC-1 SPC
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| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Santander repossessed my vehicle after my family was XXXX XXXX XXXX and couldnt work.I borrowed the money from family and got the car back as soon as they would release it. They took the car from a busy mall parking lot where my XXXX XXXX XXXX daughter had driven her car to. She was alone and stranded. They put a gps without my knowledge. I wasnt hiding the car, but arrangements were made to catch up payments. They went and took it from a very busy parking lot at a mall. The issue is this. I didnt notice until a year later my payments Im making only show Charge off. Every payment has been I time since then but not 1 payment on my credit report shows the truth. Its shows CO. They finally told me they can do a charge off of a car goes 120 days over due date. Mine was not 120 days late. The files attached will show you that they recently edited payment status on my credit report to change XX/XX/XXXX to 30 days late. Previously it shows current bcs it was. Then XX/XX/XXXX you can see 2 payments were made then also. They said in may it became 120 days over due. Thats how they said they can list as charge off without updating my payments that I make each month as current. This has ruined my credit. Its destroying my families lives. Please have this removed from the credit bureau. My payments have been on time for over a year and almost half. It doesnt reflect that at all. Theyre trying to cover their tracks bcs recently they edited a payment history on my credit report to show XX/XX/XXXX as 30 days late, when previously it showed XX/XX/XXXX as current. They did this to fit in with the lies being told. Due to XXXX my family was super sick and had a 2nd repossession. They are claiming it was 120 days late but it was not. They said after 120 days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract I signed. They told me they didnt have to disclose this to me. It took a long time for me to finally be told this information. They have ruined my credit due to grossly reporting inaccurate info. I have paid on time for 1-1/2 years, but they wont report 1 single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a CO, and also closed account on my other credit report when Ive been paying on time for going on 2 years. This is a gross misinterpretation of the truth. It is destroying my families life! payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was 120 days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX of {$290.00} and 2 payments in XXXX to get it current. They are a sneaky company doing consumers wrong. My score dropped XXXX points after the reason edit. Please help me. The XXXX is involved now also, and have been communicating to Santander USA. Im paying on time every month but all it shows is CO. How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a XXXX mother of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely from my credit reports.
1-I am attaching proof of the edit Santander made on my credit report recently XX/XX/XXXX. Youll see the before & after.
2- Im attaching the payment history as shown on my credit report to show payments were made in XX/XX/XXXX and XX/XX/XXXX. They repossessed it in XX/XX/XXXX.
3- Im also sending a current bill from them to show you my status is current.
I demand justice pls.Santander consumer USA are horrible! My account number with Santander is XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XX/XX/XXXX. Also the entire account is pictured with all info in attachments. Thank you
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| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As a consumer I have researched and discovered that there have been multiple reporting violations to not only my privacy but accuracy of information. This has causes hinderance in my daily life as a consumer as I have tried to resolve these reporting issues plenty of time only to receive denial and rejection of every attempt when removing inaccurate items from my credit report. I have attached a letter directed to 3 main financial institutions and 3 main Credit reporting agencies that have hindered my progress as a consumer and created great hardship and mental strain. Please refer to the attached letter for further details of this situation.
I have noticed multiple inaccuracies and unfair consumer reporting practices amongst XXXX, XXXX, and XXXX along with XXXX XXXX XXXX XXXX, XXXX and Chrysler Capital which are financial institutions that have negatively impacted my credit report. They are in direct violation of the Fair Credit Reporting Act 15 USC 1681 section 602 a which states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX. XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared this rule is mentioned in 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " XXXX XXXX XXXX XXXX, XXXX, and Chrysler Capital are all financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX, and Chrysler Capital, the financial institutions and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and Chrysler Capital whether it be verbal, non-verbal, written, implied or otherwise is revoked. XXXX XXXXSC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX, XXXX, and Chrysler Capital never informed me of my right to exercise my nondisclosure option.
Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law.
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I, XXXX XXXX XXXX, am opting out of your reporting services. Any and all reports that have previously unlawfully reported must be removed upon notice of this letter.
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| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Upon conducting a recent examination of my credit history, I discovered a substantial number of billing errors. United States code 15 U.S. Code 1666b has been violated.
( 4 ) The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement.
( 5 ) A computation error or other similar accounting error on a statement.
( a ) In general Compliance with the requirements imposed under this subchapter with respect to credit repair organizations shall be enforced under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ] by the Federal Trade Commission.
( b ) Violations of this subchapter treated as violations of Federal Trade Commission Act ( 1 ) In general For the purpose of the exercise by the Federal Trade Commission of the Commissions functions and powers under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], any violation of any requirement or prohibition imposed under this subchapter with respect to credit repair organizations shall constitute an unfair or deceptive act or practice in commerce in violation of section 5 ( a ) of the Federal Trade Commission Act [ 15 U.S.C. 45 ( a ) ].
( 2 ) Enforcement authority under other law All functions and powers of the Federal Trade Commission under the Federal Trade Commission Act shall be available to the Commission to enforce compliance with this subchapter by any person subject to enforcement by the Federal Trade Commission pursuant to this subsection, including the power to enforce the provisions of this subchapter in the same manner as if the violation had been a violation of any Federal Trade Commission trade regulation rule, without regard to whether the credit repair organization ( A ) is engaged in commerce ; or ( B ) meets any other jurisdictional tests in the Federal Trade Commission Act.
( c ) State action for violations ( 1 ) Authority of States In addition to such other remedies as are provided under State law, whenever the chief law enforcement officer of a State, or an official or agency designated by a State, has reason to believe that any person has violated or is violating this subchapter, the State ( A ) may bring an action to enjoin such violation ; ( B ) may bring an action on behalf of its residents to recover damages for which the person is liable to such residents under section 1679g of this title as a result of the violation ; and ( C ) in the case of any successful action under subparagraph ( A ) or ( B ), shall be awarded the costs of the action and reasonable attorney fees as determined by the court.
( 2 ) Rights of Commission ( A ) Notice to Commission The State shall serve prior written notice of any civil action under paragraph ( 1 ) upon the Federal Trade Commission and provide the Commission with a copy of its complaint, except in any case where such prior notice is not feasible, in which case the State shall serve such notice immediately upon instituting such action.
( B ) Intervention The Commission shall have the right ( i ) to intervene in any action referred to in subparagraph ( A ) ; ( ii ) upon so intervening, to be heard on all matters arising in the action; and ( iii ) to file petitions for appeal.
( 3 ) Investigatory powers For purposes of bringing any action under this subsection, nothing in this subsection shall prevent the chief law enforcement officer, or an official or agency designated by a State, from exercising the powers conferred on the chief law enforcement officer or such official by the laws of such State to conduct investigations or to administer oaths or affirmations or to compel the attendance of witnesses or the production of documentary and other evidence.
( 4 ) Limitation Whenever the Federal Trade Commission has instituted a civil action for violation of this subchapter, no State may, during the pendency of such action, bring an action under this section against any defendant named in the complaint of the Commission for any violation of this subchapter that is alleged in that complaint.
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| 09/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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A summary is given here ; please see attached correspondence for a full report of the incident and supporting materials.
On XX/XX/XXXX I attempted a deposit at an ATM operated by Santander. It was customary to make such deposits at this ATM since opening an account with this branch in XXXX of XXXX. The ATM is located in the lobby of a Santander branch in XXXX, Florida. During my XX/XX/XXXX visit to the branch, the ATM retained {$1900.00} of my deposit but failed to credit my account {$1900.00}.
From the bank lobby, I immediately notified Santander of this incident on XX/XX/XXXX. Santander initially credited me {$1900.00} on XX/XX/XXXX, but then wrongfully reversed the credit on XX/XX/XXXX, in violation of 1005.11 ( c ) ( 2 ) ( i ), Code of Federal Regulations. In so doing, Santander caused my account to go into the negative by {$1800.00}. My account is unusable in the current state it is in, and I need it to run my business.
At the conclusion of their investigation into this matter, Santander claimed that no banking error occurred with respect to the ATM. Essentially, Santander 's position is that I made no such deposit.
I made several phone calls to Santander employees in its customer service center and at the bank branch. In order to delay repaying me, Santander gave me a run-round. Santander 's branch employees insisted that I needed to speak to customer service because the branch was not responsible for the ATM. Meanwhile, Santander 's customer service phone operators insisted that I needed to resolve the matter with bank branch employees. Neither could give a clear answer as to which of the two was responsible for either the ATM, or for reimbursing me for the money the ATM had deprived me of.
Eventually, a supervisor at Santander 's customer service center informed me that the video footage of my XX/XX/XXXX visit to the ATM had been forwarded to the branch. When I spoke to the branch manager, he advised that no such footage exists.
By conveniently losing the footage of the incident, Santander has permanently spoiled evidence tending to support my claim for reimbursement, which works to Santander 's advantage and unfairly prejudices me. The video footage would have shown me engage the ATM and insert the funds. It would have shown me encountering difficulty when the ATM malfunctioned. It would have shown me asking the security guard in the bank lobby for assistance. It would have shown me standing beside the ATM while on my cellular phone calling to report the malfunction to Santander.
In addition, Santander now demands I pay them in the amount of the negative balance. Doing so would mean that I am shorted a total of {$3800.00} ; that is, {$1900.00} for the money Santander 's malfunctioning ATM accepted but refused to deposit, and another {$1900.00} for the money Santander insists I owe them after reversing a credit in that amount.
Transactions at an ATM are electronic fund and remittance transfers governed by 12 CFR Part 1005 ( Regulation E ). As relates to this claim, a bank error is defined as : the consumers receipt of an incorrect amount of money from an electronic terminal. 1005.11 ( a ) ( v ). On XX/XX/XXXX, when Santanders ATM accepted my money but failed to credit my account, Santander committed a bank error.
As is set forth in the attached correspondence, Santander 's conduct in several ways has violated 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), which makes it unlawful for a banking institution to engage in any unfair, deceptive, or abusive act or practice. Moreover, Santander may face liability under Fla. Stat. 918.13 for spoiling video evidence, as well as for failing to inform that the credit was provisional ( 1005.11 ( c ) ( 2 ) ( ii ) ), failing to inform of the credit reversal ( 1005.11 ( c ) ( 2 ) ( ii ) ), refusing to furnish materials that Santander relied on in making its determination ( 1005.11 ( d ) ( 1 ) ), and failing to honor payments to third parties ( 1005.11 ( d ) ( 2 ) ( ii ) ), among other violations.
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| 11/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer in fact natural person, creditor, administrator, executor- attorney in fact in public & private for all matters proceeding holder in due course : d/bXXXX XXXX XXXX XXXXXXXX. I depose and prove these facts are truth so it be.
As I started to study for my self consumer law and TILA : Truth In Leading Act- I discovered I have been injured financially and mentally from this fraudulent loan and contract. I submitted the contract as proof as evidence : 1. Calculation of the Finance Charge was not explained but instead was titled n/a.
2. No, explanation was given for the calculation of finance charges.
3. I was forced to carry an insurance premium before leaving the car lot and the insurance premium was not included in the Finance Charges.
4. The down payment and cash I paid for this automobile was assessed Finance Charges, per 15 USC 1605:5 it is fraud to add a finance charge on cash and then add it to the price and increase the amount of the purchase of the automobile.
5. I have paid insurance premiums myself out of my own pocket that are covered per 15 usc 1605 ; 5 the law says the sum of all charges shall be disclosed clearly and inconspicuously in accordance with the regulations of the bureau. Why was this not explained this box as required by law.
Both Santander Consumer USA and XXXX XXXX failed to and willfully violated 15 usc 1605 by failing to provide proper and separate documentation, definition as to why the finance charge exist on my cash downpayment and the sum of all charges as described in : Truth In Lending Act : subsection 15 USC 1605 Sum of all charges include : The finance charge does not include- *charges of a type payable in a comparable cash transaction. *My down payment was cash.amount of {$1000.00} and a Finance Charge has been added to the price of the automobile. Source XXXX XXXX XXXX XXXX According to when I first signed the contract and not since Santander Consumer USA has taken ownership of this bad loan.
Both Santander and XXXX XXXX failed to and willfully violated 15 usc 1605 by failing to provide proper documentation and as to the explanation of the finance charge of the sum of all charges XXXX XXXX the Sales manager- XXXX kept telling me if I signed it that way he couldn't give me the loan. As I continued to exercise my rights signing as I described using UCC 1-308 The loan was completed and Financed by Santander Consumer USA and at that time they were found guilty of fraud in 34 states from 2015 to 2020- yet still allowed to continue to make fraudulent loans with consumers.
I attest this statement is true testimony of my experience to remedy this fraudulent activity by Santander Consumer USA and XXXX XXXX should be held responsible according to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation as follows : ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
I demand remedy and rescission of this fraudulent transaction that under TILA is fraud and its been since 2021. For the pain and suffering : emotional stress, money I lost, embarassment and mental anguish {$30000.00} is the remedy and the balance of {$22000.00} demand is paid of in full Balance at {$0.00} and all balances discharged and reported to all 3 credit bureaus as a positive trade line including all taxes paid for title and registration fees to have the title of this automobile XXXX XXXX XXXX titled in my name account number # XXXX XXXX XXXX Account # XXXX Santander XXXX XXXX.
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| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Loan opened without my consent or knowledge
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Web |
Servicemember |
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XXXX An auto loan was taken out in my name using my social and address and 14-year-old expired XXXX XXXX Identity theft .
The company is Santander, and the dealership is XXXX XXXX in XXXX XXXX where I leased my XXXX XXXXXXXX XXXX XXXX years prior. I had stopped in the dealership for service in XXXX. While I was there, I inquired to the person who helped get the lease in XXXX They asked to run my credit and so I said yes and I signed something with my finger and the agent. It was a basic inquiry for the future sitting around waiting to get a call with the info regarding the future cost and my residual might be in XXXX XXXX XXXX when it was due initially. The dealer said XXXX XXXX XXXX with payments XXXX than i was paying on 3-year lease at XXXX @ month. ( An ID from State of Maryland that was expired XXXX and never renewed was used ) The company is Santander, and the dealership is XXXX XXXX in XXXX XXXX where I leased my XXXX XXXX XXXX XXXX years prior. I had stopped in the dealership for service in XXXX. While I was there i inquired about the person who helped get the lease in XXXX. They asked to run my credit and so i said yes and i signed something with my finger and was told i get a call with the info it regarding the future cost and my residual might be in XXXXXXXX XXXX XXXX when it was due initially. The dealer said XXXX XXXX XXXX with payments XXXX than i was paying on 3-year lease at XXXX XXXX month. ( which all 3 credit agencies reported monthly but have absolutely show no record of. It is an admitted reality that systems both public and private in the past were created biasedly with racism and bigotry inherently woven into a shroud of dichotomy and an antiquated paradigm .. Bornin XXXX I have experienced the change I have paid XXXX XXXX for some 11 years to watch it. Santander started reporting this fraudulent loan in XXXX XXXX XXXX indicating I bought my own lease on XX/XX/XXXX. By a twist of fate my car was towed on XX/XX/XXXX outside my apartment. when I went to recover my XXXX I needed a title to retrieve my car. The Date was XXXX or XXXX XXXX XXXX XXXX informed me I was on the title and the Car was registered to Santander inc. called them. discovered they were a finance company and they in XXXX paid of my lease and opened a loan I had no knowledge. I on the spot told them my identity was stolen I did have knowledge or authorize any loan. Over the next two weeks I walked and worked with the county exhort Santander that the XXXX that was mine and because of criminal deception is now you can only retrieve you. Santander between XXXX XXXX police impound and myself over the several months indicated the vehicle could be only retrieved by the until I get a letter from dealership, they placed my name on title XXXX which i filed a report with consumer financial protection Agency and the local police. literally within days of the fraudulent addition of me to a title of car i never purchased Santander inc representatives stop taking my calls in weeks Santander reported a 5-month loan that not XXXX dollar ever paid on to the credit agencies as a XXXX unretrievable basically I stole my own leased vehicle. Evidence recorded by XXXX XXXX just further verifies that Santander knowingly ignore the truth in order to claim loss and sell it to collection agency record since for months they were the only titled owner and the manager gave them well beyond the 30 days before they County finally dispositioned the Vehicle in XXXX XXXX XXXX months beyond the date it was eligible to be auctioned.
Please remove fraud report of debt by Santander Inc and please report your action to XXXX and XXXX as I will also dispute the error in reporting.
An auto loan was taken out in my name using my social and address and 14-year-old expired XXXX XXXX Identity theft .
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| 10/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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Good Day, I have an account with Chrysler Capital for a vehicle loan. XXXX XXXX XXXX I have been in contact with Chrysler Capital about making additional principle payments to the loan. I had made a payment on XX/XX/XXXX ( {$2500.00} ) & XX/XX/XXXX ( {$2500.00} ) in addition to my monthly payment ( {$790.00} ). hat not all of my additional {$5000.00} was applied to principle. Then informed me that if I wanted the additional payment ( XXXX ) made each month to apply to principle - I would have to make them on the same day my monthly payment is due. They charged interest that was accumulated from the XXXX of the month to XX/XX/XXXX ( Payment ( {$2500.00} ) Break down = Principal ( {$2200.00} ) Interest ( {$210.00} ) ), also from the XXXX to the XXXX ( Payment ( {$2500.00} ) Break down = Principal ( {$2400.00} ) Interest ( {$33.00} ) ). During our my conversation with them on the XXXX of XXXX - I stated that my intention was to have the additional payment applied strictly to the principle balance of the loan. I spoke with a manager and she said that they would change the payment distribution. When my next monthly payment was due ( on the XXXX of each month ), I made the additional payment to them as they said needed to be done.
Now it is XXXX and another monthly payment is due and I am making another large payment to lower my principle balance. I called to day ( XX/XX/XXXX ) to ask why the interest taken from the XXXX payments did not show it distributed back to principle. They told me that, the policy is to pay interest first them principle on any additional payments may to the account. I expressed my disagreement to their policy stating that - other loans allow me to specify the distribution of additional payment - outside my required monthly payment.
My intention for making these extra payments is to shorten the length of my loan, lower the interest I pay. Their policy is unfair and slanted to benefit them not my interests. I expressed that my monthly payments ( I agree to ) is the place where interest that is accrued during the month is paid. I also expressed that I understand that my monthly payments consist of Interest/Principle - that when I make these extra payments during the month ( if it is XXXX or more payments ) it is beneficial for to do so. It breaks up the interest algorithm that is used to calculate interest, and benefits me more.
I am concerned that their policy- to pay themselves first before applying my payment to the principle balance is unfair and leads to unnecessary additional interest paid to the company. I am asking you to look into this. My Monthly payments are there to account for the interest accrued during the month - that was the understanding when I took out the loan, also that ( from past loans ) if additional payments are made outside the due date agreed on for the loan, that it would be applied to the principle.
I see this as an attempt to squeeze out as much interest as they can from the consumer by not allowing strictly principle payment to be applied to the account as the consumer sees. Limiting consumers to making principle payments only on the monthly payment due date appears to be an interest penalty, a way to discourage individuals from paying off their loans quicker. Every dollar that is diverted to pay the interest ( that is accounted for in the monthly payment ) is a dollar more that is used in the daily calculation for interest.
This practice is unfair, predatory and creates an indebtedness environment that prolongs payments and unfairly burdens the consumer with additional interest payments that was not needed. Please help me with this. Also as you can see on the attached documents I provided - that my first payment when strictly to interest - Not sure why.
Thank you XXXX XXXX.
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| 11/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I Purchased a XXXX XXXX XXXX XXXX in XXXX for personal and work related use.
On XXXX XXXX XXXX XXXX XXXX XXXX while avoiding being XXXX XXXX XXXX XXXX XXXX XXXX XXXX next to the far XXXX XXXX. I was XXXX and my right XXXX XXXX XXXX
XXXX XXXX XXXX XXXX ( license to tow issued XX/XX/XXXX after they towed my vehicle ) appeared immediately started hooking my vehicle up for towing without my permission. Then attempting to drive off with my vehicle.
I exchanged insurance information and numbers with the XXXX XXXX, then jumped into tow truck because I did not know where the vehicle was being taken. Another person was writing down the information. I do not know where he came from because he did not ride to XXXX XXXX with us and did not come to the building.
When we got to XXXXXXXX XXXX there were no other people in the facility. The tow driver immediately asked me to sign releases to have XXXX. repair/evaluate the damage to my vehicle. I refused and called XXXX who gave me a XXXX XXXX to pick up the vehicle from the towing company. I called my Auto Insurance company, gave them XXXX XXXX 's information. And my information with conditions of both vehicle.
I was met with extreme hostility and aggression. Then told I could not have the vehicle until the towing fees of {$500.00} were paid for a car which was towed an hour ago. I was still XXXX and began feeling unsafe. Waited outside for XXXX.
After XXXX minutes, XXXX did not come. I made a decision to leave the area. I reported the experience to the XXXX ( XXXX ). Because they were not called to the scene of the addicted, they recommended that I call XXXX XXXX and report the incident. I did!
When I got to a safe place, I called Santander and received instructions how to start the accident reporting process. I faxed everything over to Santander that same day.
When I called XXXXXXXX XXXX, no one answered. I left a message that I was coming to have XXXX tow the vehicle to the dealership where it was purchased and serviced. I reemphasized that I did not want them to touch the vehicle or do any work of any kind. I received one call back from a woman who would not identify herself. She rudely stated that I would have to pay the fees before they would release the vehicle. She never used the word " Impounded ''.
I returned with friends to retrieve the vehicle, but the doors and gates were locked. No one answered. I repeatedly attempted to get the vehicle back for several weeks.
XX/XX/XXXX I requested help via two letters faxed to the XXXX XXXX XXXX XXXX XXXX Santander because they held the lien. Santander never replied/responded by letter, email or phone. Due to not having a vehicle as required to perform the XXXX XXXX XXXX XXXX I held, I lost the job. Without the vehicle the insurance company could not give me a rental vehicle. They also could not pay for the damages because there was no official information from XXXX. because I refused to release the vehicle into their care for serving.
I returned to XXXX to have my XXXX on my XXXX XXXX. I completed a USPS Change of Address forwarding all mail to my XXXX son 's XXXX where I would be living. I used my online dashboard/portal to update my address with Santander. I completely cooperated and communicated with Santander via the dashboard. The dashboard/portal also had my email and phone number which I still have both, if Santander wanted to contact me. After a whole year, the dashboard/portal access was stopped. I never heard from Santander at all, until I started the process for purchasing a home and found them on my credit reports for the mortgage company 's use. Santander was not on my credit reports in XXXX, XXXX, XXXX and XXXX. ( I have photos of reviews written by customers who had the same experience as me with XXXX XXXX XXXX XXXX
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| 01/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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My issue is with Santander Consumer USA and is regarding an auto loan that i have with them since XXXX of XXXX. Santander has lost XXXX of my payments and has made no attempt to fix this situation. I have confirmation numbers that were provided to me by their automated system and they claim they are not associated with my account. The first payment that was " missing '' was in XXXX of XXXX. I was never contacted until XXXX of XXXX about this alleged " missing '' payment which struck me as weird. 3 months later? In XXXX Santander called and stated that I had missed XXXX payment. I knew I had not, I provided the confirmation number and they again asked about XXXX payment. This goes on for several months, each time they call, its a different month that is in question- How can I send proof of payment if I don't know what month your asking for??? Finally in XXXX I'm able to get a supervisor on the phone and i explain the whole story to him. He looks over my account and says the only month that he sees is missing is XX/XX/XXXX and XX/XX/XXXX. He asked that i fax over the proof of payment for XXXX payment. I do this on XXXX and Santander closes my claim due to documents not being received within XXXX hours. I was never told that there was a time limit first of all and after i called in, approximately XXXX weeks later because i had not heard anything from them, I asked the supervisor if they had in fact received the documents. She said they had been received, on XXXX. I asked why they would hold the document for 5 days and never even contact me regarding the issue with the account? She informed me again that it was due to my claim being closed. I let her know that I found that to be extremely terrible business practice especially since i have an issue I've been trying to take care of for nearly 9 months at that point, and it was an issue that I did not cause- why would you just sit on my document and do nothing with it??? i demanded to be transferred to whoever was above her. She informed me someone would be contacting me from the Executive Office the following day. I was contacted by that office, gave all the confirmation numbers i had been provided by their automated system. She got back to me saying that for the 3 months in question ( back to 3 months now ) they would need to see unredacted rolling balance bank statements. I had already provided the transaction details from my bank as well as the confirmation number from their payment system, and I will not show any business my entire bank statement unredacted. That is ludicrous to me. It does not state anywhere in my contract that a statement of this type could be requested and i find it to be an invasion of privacy. After this I checked my credit and found that Santander has been reporting late payments for months on my credit, falsely!! I also found out that my account had been closed and charged off. I was given no warning- no letter no phone call. In XX/XX/XXXX, I called in and spoke with an agent in the recovery dept. He spent almost an hour on the phone with me trying to figure out what the issue was. Low and behold, the agent found the " missing '' XX/XX/XXXX payment and he recalculates everything and told me that since that payment wasn't missing, they should not have closed my account!!!! I have the whole conversation recorded. The agent admitted that Santander made the mistake and he also found the " missing '' payment. Yet they still have not made any corrections to my credit or brought my account current. I refuse to be scammed by Santander and i desperately need help. I traded in a fully paid off vehicle that was in great condition to get a new vehicle and i have had nothing but issues with this company from go.
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| 10/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My car was repossessed on XX/XX/XXXX. I was refused information on XXXX company or where the car was going to be held. I had an oral agreement with Santander since about XX/XX/XXXX that allowed me to not get repoed as long as I was making regular payments and showing that I was trying to catch up because I was furloughed from my job during covid and got way behind after I was later laid off. They told me that the letters they were sending did not mean that it would be repoed because they were not in the business of repoing cars. I made regular payments multiple times monthly, with the last payment accepted on XX/XX/XXXX. The payments were as follows : XX/XX/XXXX {$100.00} XX/XX/XXXX {$280.00} XXXX {$180.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$280.00} XXXX {$560.00} XXXX {$280.00} XX/XX/XXXX {$150.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$400.00} XX/XX/XXXX {$400.00} XXXX {$200.00} *I mailed 2 small payments at end of XXXX and XXXX XXXX to avoid a {$3.00} charge. Santander never sent them through my bank or attempted to cash them. On XX/XX/XXXX I was working with XXXX XXXX to get it refinanced, 2 days later it was repossessed. I have filed complaints on both Santander and the car dealership ( XXXX ) for 3 years with XXXX and my attorney general. Santander left me out of the state settlement even though I should have qualified. The contract was not sent to me until 45 days after purchase. They did not send the back 2 pages. A few months ago I got all of the paperwork through my complaint through the state. The car salesman had inflated my income, and left most of the application blank. Debts, nor employment/income was ever verified by Santander or XXXX XXXX XXXX The paperwork the day I bought the car was signed by an electronic signature pad without the actual contract. The finance manager quickly verbally told me what the contract said. The salesman told me the XXXX extended warranty " came with the car purchase '' I later found out I was charged for it and I i disputed it. During the dispute period Santander blamed XXXX XXXX and XXXX XXXX blamed Santander, each saying the other required it to be included in the contract. The service contract was never refunded or cancelled as promised.
In XXXX I had quite a few extension agreements due to being affected by covid 19. I was not told that the interest would accrue at a higher rate because of extension, I was only told that it would still accrue. I was told that the payments would be put at the end of the loan. I have paid on this loan for 3 years and all but {$400.00} has went on interest.
Credit Reports : I have disputed over and over with all 3 bureaus. They continue to report wrong information.
1. They are reporting a past due balance of XXXX past due balance, Repossession, and {$26000.00} updated on XX/XX/XXXX. They have not reported any of my XXXX payments I made they only reported the missed payments. They are also reporting 82 month term when my contract clearly states 72 months.
**On my Santander account on Santander website it now shows a balance of {$4200.00}. I was never notified of the sale of my vehicle, my deficiency balance nor have I receive any communications on if they have sold the car or not. They only lowered the balance on my account for unknown reasons. I also have not received an accounting statement. They refuse to correct my credit reports or delete the account from my reports. Each Credit report has a different contact address and phone number.
Please note I was sent all of the application/ finance documents by XXXX XXXX XXXX I tried to attach but it was too large. I also have my XXXX and XXXX reports, complaints etc but was unable to attach due to size. I will provide upon request.
|
| 12/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I attempted to revoke account authorization with XXXX XXXX for weeks in writing starting XX/XX/XXXXXXXX on an auto draft scheduled XX/XX/XXXX. After failed attempts and complaints to CFPB and XXXX, I called Santander through mobile app to request stop payment to be placed XX/XX/XXXX XXXX for 21 minutes. I was advised stop payment was placed, XXXX XXXX had no access to anything. I confirmed even my debit card. Charge went through. I called XX/XX/XXXXXXXX XXXX to dispute charges. I was advised no notes from previous call, no stop payment was placed or attempted. I requested call to be pulled and worked with a supervisor to cancel debit card, dispute the transaction and provide proof of revocation of account access. I was advised follow up and escalation would be had on lack of notes and stop payment not being placed. XX/XX/XXXXXXXX Santander disputes called and leaves Voicemail from XXXX # asking I call in and provide claim number at XXXX. I return call using mobile app and am advised no one called- no notes. I work with 2 supervisors to confirm this and am told probably fraud call. I explain my concern that once already my account hasn't been noted and if I find out this has delayed my claim/dispute, I'll be upset. I'm advised if I get another call to tell the rep to note my account, and call back the mobile app and provide the information to assure no fraud.
I get a call today, same person same number XXXX. I advise the person to note account. I call in to Santander. This was a legitimate call and notes are there. The first call I received was also from this representative as well and no notes were on the account. He was requesting information I already had provided ( proof of written revocation- submitted XX/XX/XXXXXXXX ).
I worked with a supervisor again today who chastised me for not taking names of the reps.
This misinformation/lack of information and lack of noting extremely important derails on financial account/lying about dates and process has caused the following : Negative financial consequences ( unwanted charges of XXXX and XXXX to XXXX, XXXX post request for revocation and stop payment ) Inability to make good financial decisions for myself Inability to budget appropriately as information was incorrectly provided Incorrect timelines on processing provided- 1 business day told on XX/XX/XXXXXXXX call - it takes 3 + on stop payment requests. I was advised on recorded call the request would be all set as of XX/XX/XXXX. This request was never put through and also would never have processed on XX/XX/XXXX.
Incorrect definition of stop payment - I was advised on XX/XX/XXXXXXXX that stop payment would still XXXX XXXX from accessing my debit card. Supervisor on XX/XX/XXXXXXXX said that is incorrect and only merchant block will stop this. Completely fraudulent information provided.
Delay in my ability to provide dispute/claims information- no notes on file, even after I followed every step and request in voicemail and instructions provided by all reps.
Unnecessary worry- my account was not at risk for fraud and calls were legitimate At minimum 4+ hours of calls to Santander customer service - missed work at XXXX $ XXXX to make these calls.
Never pulling calls - I've spoken to 4+ supervisors. All of which claimed calls would be escalated further and listened to. I dont believe anyone fulfilled that request until today when I indicated expressly I would be filing this complaint.
Santander has a financial and legal obligation to provide accurate information to consumers. They have an obligation to accurately describe services, timelines to process services, not delay disputes, intentionally or otherwise.
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have contacted XXXX and XXXX regarding the error that is being reported on my credit reports, XXXX has removed the old account. This account is an auto loan with Santander which was opened on XX/XX/XXXX, they have reported to the credit bureaus that I have made more payments on the vehicle showing the last payment made in XX/XX/XXXX. They also updated and restarted the account file on my credit report on XX/XX/XXXX. There are several discrespancies with this false and incorrect reporting. I purchased a XXXX XXXX XXXX from XXXX and Santander was the lender. The vehicle broke down 3 days after the purchase and continued to have mechanical issues the entire time I owned the vehicle. I have all of the reports on record every time the vehicle was taken to a mechanic it was added to the reports on the car. But on XX/XX/XXXX I made the last payment of {$610.00} and it posted to my chase account on XX/XX/XXXX.
I called Santander to send someone to do a Willing Repo and remove the car. They came and picked up the car. I then rented a XXXX rental. XXXX passed and I was contacted by a group of attorneys representing consumers that were part of the Class action Lawsuit against Santander for Predatory Lending etc. ( Very easy to confirm ). Santander lost the Lawsuit. I received {$260.00} from the settlement, but I was also notified that some of the consumers in that lawsuit may have their debt forgiven and Santander may remove the debt from their credit files. So I contacted Santander around XX/XX/XXXX and asked them to forgive the debt and remove it due to the lawsuit and they did not respond to my request, but simply because I called regarding the Lawsuit they falsely reported that I had made payments on the vehicle for several more years after a willing repo. I was financially unable to do that, nor did I ever contact them to negotiate any debt. I have suffered all of these 7 years since my last payment on that vehicle. I have had to pay higher interest rates, and when trying to rent I have had to pay double deposits. I need help to be able to finally have a normal life again. I am so tired of what this has cost me. I will never do business with XXXX or Santander again. I drove that vehicle for the first year with the driveline hanging from one bolt and a manager from the repair debt. at XXXX in XXXX CA tried to call me a liar when I told him that I brought them the vehicle within two weeks after the purchase and notified them of the clunking sound coming from the transmission nearly a year prior. The manager searched his computer and stated that he had no record of that visit with the complaint of a clunking sound. Thank XXXX I had the print out that XXXX had given me in the repair dept stating that nothing was found, but also noting the reason I brought it in. I had taken the vehicle to XXXX nearly a year later and they found the driveshaft hanging by only one bolt ( Keep in mind that I had my XXXX children in that vehicle with me ) driving it when it was operable for nearly a year. Also the car was drinking the gas, XXXX dollars every two to three days. Then the crankshaft pully bolt snapped, found out later that there was a recall on the bolt!
Please help me get my credit report corrected and back on track. This auto loan was due to come off of my report XX/XX/XXXX. I never contacted Santander to negotiate any debt, I inquired about forgiving the debt, and I have never agreed to any payment negotiations, or made any payment after XX/XX/XXXX. I have my bank statement that reflects the last payment of {$610.00} and the next months bank statement showing the XXXX rental car.
|
| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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I purchased a XXXX XXXX XXXX XXXX in XX/XX/XXXX. Payments were due monthly on the XXXX of each month according to my purchase documents. I took a home equity loan in XX/XX/XXXX and paid the car loan in full. The issue is when they reported paid in full to the credit bureaus, Santander also reported it as 30 days late.
FACTS : XX/XX/XXXX - Car Payment Due XX/XX/XXXX, I received a call from Santander asking about my payment. I told them I was in the process of closing my home equity loan and the account would be paid in full. I also asked for a payoff letter to provide to the credit union. A payoff statement was sent via email that day for an amount good through XX/XX/XXXX. It is attached.
XX/XX/XXXX ( Friday ) - XXXX XXXX XXXX closed and funds were available to pay car loan in full. The XXXX XXXX called Santander to see if they could send the money electronically and the credit union was told no, they had to mail a check. The Credit Union sent a check via XXXX XXXX. Tracking number XXXX XXXX XXXX. A copy of the label is attached as well as a copy of the check. XXXX XXXX Tracking shows the check was delivered Monday, XX/XX/XXXX.
I am now trying to get a new mortgage and the late payment has severely negatively impacted my credit score.
I called Santander on XX/XX/XXXX, to request copies of my statements to try to resolve this matter. I never received them, so I called back on XX/XX/XXXX. This time I told the agent what the problem was, and that the payment was not more than 30 days late and was reported incorrectly. He told me the payment posted on the XXXX of XXXX which made it late. I told him I had the tracking information, and it was delivered on the XXXX. He told me I have to allow processing time. I told him they had to post it the day they got it because it was received before the cut-off time. He said no they don't, I should have asked for a change in the due date. That was never offered to me when the agent called me XX/XX/XXXX. I asked why an electronic payment couldn't be made. He said they don't accept them for payoffs. I asked to speak to a supervisor, and I was transferred. I explained to the Supervisor the same thing and his response was the payment was late. I asked if they would delete the late payment as a good will. He told me no. I asked for copies of the statements to be emailed to me.
On XX/XX/XXXX, I received an email with a screen print out from Santander. It is attached. What is interesting is that screen showed the payment posted on XX/XX/XXXX. This is a direct contradiction to what the agent told me on the phone. I sent a reply thanking them for the information but again requested copies of the actual Statements. I received them on XX/XX/XXXX. They are attached.
I feel this is being done out of retaliation because they only got 5 months of interest instead of 72 months as that is what the term was on the purchase documents. I am also attaching the retail installment sales Contract.
Issues : Why did they not accept the electronic payment when that is an option they have listed on the back of the statement? I made all my other payments electronically.
The check was received by Santander XX/XX/XXXX ( Monday ) at XXXX. If they demanded payment was made by mail, I should not be penalized for it being a weekend.
Payment due XX/XX/XXXX, was not made until the vehicle was paid off. Payoff check was received XX/XX/XXXX. If they would have accepted electronic payment, we wouldn't even have this issue. I was not more than 30 days late and would like this late payment removed from my credit report.
Thank You XXXX XXXX
|
| 10/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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In XXXX of XXXX I purchased a vehicle from XXXX XXXX of XXXX, Ohio. The vehicle was financed through Santander Consumer USA. On that day I was not provided with a copy of the XXXX or a copy of the contract agreement. One year later I learned that multiple violations had occurred with this contract. " To exercise the right to rescind, the consumer shall notify the creditor of the rescission by mail, telegram or other means of written communication. Notice is considered given when mailed, when filed for telegraphic transmission or, if sent by other means, when delivered to the creditor 's designated place of business '' which I had done and will provide a copy of the receipt from the XXXX.
XXXX ( a ) ( 3 ) The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, whichever occurs last. If the required notice or material disclosures are not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act. I was not provided a contract or a TILA I had to request it on XX/XX/XXXX XXXX The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or indirectly by the consumer and imposed directly or indirectly by the creditor as an incident to or a condition of the extension of credit. It does not include any charge of a type payable in a comparable cash transaction.
At the dealership I was convinced that we had to get the gap coverage. Upon doing research I learned that the gap coverage or any insurance premium was to be included in the final finance charge which it wasn't.
XXXX ( b ) ( 10 ) : Charges or premiums paid for debt cancellation or debt suspension coverage written in connection with a credit transaction, whether or not the coverage is insurance under applicable law.
On XX/XX/XXXX I called the creditor, the number called was ( XXXX ) at XXXX XXXX EST and asked for an update on my contract recission and was told by XXXX in the executive office that " we here at Santander do not operate by those rules and that we do not acknowledge the recission. '' She blatantly stated the only option I had was to surrender the vehicle I then recited her XXXX ( d ) ( 2 ) " Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. '' She said that we do not return money here at Santander, I encouraged to look up the laws I was reciting and included in my recission letter, and she politely told me to have a nice day.
According to XXXX " 1. Termination of security interest. Any security interest giving rise to the right of rescission becomes void when the consumer exercises the right of rescission. The security interest is automatically negated regardless of its status and whether or not it was recorded or perfected. Under XXXX ( d ) ( 2 ), however, the creditor must take any action necessary to reflect the fact that the security interest no longer exists. '' The creditor calls and harasses my fianc and I every day during the period where the contract is supposed to be rescinded.
|
| 10/09/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I noticed an account on my credit reports from a company called SANTANDER CONSUMER USA that I never had any business relationship with. SANTANDER CONSUMER USA was attempting to collect on a an alleged debt in the amount of {$15000.00}. I have had my identity stolen and sent SANTANDER CONSUMER USA a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent SANTANDER CONSUMER USA account with the credit bureaus. SANTANDER CONSUMER USA however continued reporting this fraudulent SANTANDER CONSUMER USA account with the credit bureaus. XX/XX/2023 I noticed SANTANDER CONSUMER USA still reporting this fraudulent SANTANDER CONSUMER USA account with the credit bureaus. I then sent SANTANDER CONSUMER USA a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between SANTANDER CONSUMER USA and myself and the original application for the account. SANTANDER CONSUMER USA violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) SANTANDER CONSUMER USA was required to cease collection efforts until the alleged debt was validated but failed to do so. SANTANDER CONSUMER USA continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent SANTANDER CONSUMER USA account XXXX, XXXX and XX/XX/2023 on my credit reports. I then sent SANTANDER CONSUMER USA a FAILURE TO RESPOND letter via certified mail XX/XX/2023. SANTANDER CONSUMER USA violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. SANTANDER CONSUMER USA violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. SANTANDER CONSUMER USA violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) SANTANDER CONSUMER USA was required to cease collection efforts until the alleged debt was validated but failed to do so. SANTANDER CONSUMER USA continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, SANTANDER CONSUMER USA FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. SANTANDER CONSUMER USA violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent SANTANDER CONSUMER USA account XX/XX/2023 on my credit reports and it is still there as of this filing.
|
| 03/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am writing in regards to my previous complaint, with the reference number XXXX. Recently, I received a response from your bank requesting additional information such as my social security number, VIN number and bank statement, stating that they were unable to locate my account using just my name and account number.
I was surprised by this request, as I have never encountered such a situation before. I believe that my account should be easily identifiable by my name and account number, as this is the information I have been using to conduct my transactions with your bank. Nevertheless, I have submitted a new application with the requested information in order to assist in resolving this issue.
My social security XXXX vin number : XXXX I am writing to bring to your attention the unfair treatment I have received from Santander Bank in regards to my autoloan. I am the primary borrower of the loan. On XX/XX/2022, I suffered a XXXX and was hospitalized until XX/XX/2022. The doctor informed me that I would not be able to work for several months. After leaving the hospital, I contacted Santander Bank on XX/XX/2022, to request an extension of my monthly loan payments for three months due to my medical condition. The representative informed me that they would review my request, and after two days, I received a call from another representative who informed me that my request had been approved for two months, and if I needed more time, I should call again before the two-month period ended. Despite this approval, I did not receive any written agreement from the bank confirming the extension. While I was in my home country seeking family support for my recovery, the bank called me to demand monthly payments contrary to my application and their own agreement. Due to my medical condition, I was unable to pay the installment, and as a result, the bank reported the first late payment to credit bureaus. I returned to the US after three months and called the bank to pay the installment. The representative informed me that they had forgotten to send me the two-month extension agreement, and I had to pay {$640.00}. After paying this amount, the bank still sent the second late payment to credit bureaus, even though I had paid the amount they requested. When I called again, the bank told me that I had to pay {$710.00} instead of {$640.00}, and they only sent me the extension agreements after four months. I have called the bank multiple times to remove the late payment from my credit report, but they have told me that they can not do so because my request for an extension on XX/XX/2022, was not approved due to my lack of employment. However, the bank had previously informed me on the phone that my request was approved, and I did have a job, but I needed to be excused from work due to my medical condition. I believe that this treatment is unfair and unjust. I have followed the bank 's procedures for requesting an extension due to financial hardship, but they have not honored their agreement and have even contradicted themselves in their communications with me. As a result, I request that consumer financial protection bureau intervene and help me in this matter by removing the two late payments from my credit report and my cosigner 's credit report.
I have to let you know because I can't answer the calls right now I use my cosigner contact information and adress.
My social security XXXX vin number : XXXX Please use this information I appreciate your attention to this matter and look forward to hearing from you. Sincerely,
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello, Ive carefully reviewed my credit report and found that the account associated with XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX, is being reported incorrectly. The reporting of such inaccurate information has caused severe damage to my character, reputation, and quality of life.
As well well as my ability to obtain credit for personal and housing purposes. Your inaccurate reporting has impacted my livelihood. 15 USC 1681 S-2 Responsibility of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
( E ) Rehabilitation of private education loans ( i ) In general Notwithstanding any other provision of this section, a consumer may request a financial institution to remove from a consumer report a reported default regarding a private education loan, and such information shall not be considered inaccurate, if ( I ) the financial institution chooses to offer a loan rehabilitation program which includes, without limitation, a requirement of the consumer to make consecutive on-time monthly payments in a number that demonstrates, in the assessment of the financial institution offering the loan rehabilitation program, a renewed ability and willingness to repay the loan ; and ( II ) the requirements of the loan rehabilitation program described in subclause ( I ) are successfully met.
( ii ) Banking agencies ( I ) In general If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause ( i ) from the appropriate Federal banking agency.
( II ) Feedback An appropriate Federal banking agency shall provide feedback to a financial institution within 120 days of a request for approval under subclause ( I ).
( iii ) Limitation ( I ) In general A consumer may obtain the benefits available under this subsection with respect to rehabilitating a loan only 1 time per loan.
( II ) Rule of construction Nothing in this subparagraph may be construed to require a financial institution to offer a loan rehabilitation program or to remove any reported default from a consumer report as a consideration of a loan rehabilitation program, except as described in clause ( i )
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
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Dear Chysler capitol, I am writing to discuss a billing dispute error notice regarding the past, current, and future certificates of indebtedness under my contract with your institution. My account number is XXXX. ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within two complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.1 ) Consumer 's right to withhold disputed amount ; collection action prohibited.
As of XX/XX/23, I have noticed that XXXX XXXX needs to correctly report the amount of {$21000.00}, which has caused a delay in the credit account 's payment. On XX/XX/23, I sent a cost of {$21000.00} per 1099a form electronically through the IRS-approved website 1099 online. The price was accepted and submitted to the IRS and Chrysler capitol XXXX XXXX XXXX with reference number XXXX. A physical copy was also mailed to Chrysler Capital via USPS-certified mail on XX/XX/23, with clear written instructions to apply the payment to my account or return the instrument with a lawful reason for doing so if the price was not used.
However, I'm still awaiting updates from Chrysler capitol Regarding the payment status. Despite this, I have continued to make payments on the statement balance. On XX/XX/23, the IRS submitted and accepted another payment of {$21000.00} to Chrysler capitoXXXX, and a physical copy was mailed via certified mail with clear written instructions to apply the fee or return it to the sender. ( 4 ) Nonconforming payments ( i ) In general. Except as provided in paragraph ( b ) ( 4 ) ( ii ) of this section, if a creditor specifies, on or with the periodic statement, requirements for the consumer to follow in making payments as permitted under this XXXX but accepts a payment that does not conform to the requirements, the creditor shall credit the payment within five days of receipt.
I am disappointed to note that Chrysler capital has submitted the total amount of {$21000.00} to the IRS but has yet to credit my account for the amount. This has caused me significant inconvenience and violated several laws, including damaging my consumer report. I also requested that the amount of {$21000.00} would add up to the original amount approved and submitted to the IRS. Still, Chrysler capital decided to file with the IRS rather than credit my acc to my XXXX XXXX accountant- XXXX, routing number XXXX.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required 1. 15 U.S. Code 1666b - Timing of payments 2. 15 U.S. Code 1666c - Prompt and fair crediting of payments 3. 15 U.S. Code 1666d - Treatment of credit balances 4. 15 U.S. Code 1666h - Offset of indebtedness 5. 15 U.S. Code 1638 - Transactions other than under an open-end credit plan section ( b ) 6. Theft of customers ' securities Please take immediate action to resolve this issue and credit my account for the total amount owed. Being that this is past the third notice, Chrysler Capital has 3-5 business days to honor my request, or I will move forward with the judicial process and file formal additional complaints to the Federal Trade Commission , securities exchange commission XXXX and as well Thank you for taking the time to look into this matter.
Sincerely, XXXX XXXX
|
| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX I filed a complaint with the CFPB against Santander in reference to the difficulty Ive had obtaining the title for my vehicle after it was written off for natural disaster and coded as such on my credit reports. A {$0.00} balance and XXXX late payment status was also reflected. 5 days after filing this complaint the natural disaster remark and indicating code ( AW ) was removed and my balance was changed to the full loan amount.
I had a couple late payments in early XXXX due to being hospitalized for XXXX but communicated this to the CEO by finding him on XXXX when I couldnt get any help from the customer support department. I also caught up my payments until I was locked out of my account. Consequently this is about the time the info on my credit report appears to show relief. Shortly after returning home from the hospital, the vehicle began having mechanical issues that eventually made it inoperable. I purchased the extended warranty which I was told was cancelled due to my finance companys poor practices and unreliability. Therefore I couldnt have the car fixed.
At no time was I called, emailed, sent anything in the mail or otherwise notified of any delinquency or repossession. The car sat in my driveway for months unable to move. Ive been trying to find a way to work to get the money to have it fixed and now know it cant be and must be sold. Which I need the title for.
Yesterday I called and the first representative that answered I explained my situation too and she told me I couldnt have the title until it was paid off and hung up on me. Upon calling back I was able to obtain from the automated system a customer number, a payoff balance of $ XXXX and that the next payment of {$640.00} is due on XXXX, XXXX. As youll see from the attached documentation, clearly their records are mismanaged because I made a payment for the normal amount ( meaning it wasnt late, ) in XX/XX/XXXX. The next representative, XXXX, ID # XXXX answered my call and I again explained my situation. Very rudely he told me that the information I had was incorrect and the vehicle was in repossession status and demanded I tell him where it was. I told him that its been inoperable as reported nearly a year ago and its been written off as a natural disaster loss and XXXX balance. I again requested information on how to obtain the title so that I may move forward in the process of salvaging my equity in this vehicle and he told me I could only do that by paying off the balance of this extremely predatory loan that was made after I left the dealership, 3 states away.
This vehicle was purchased at {$31000.00} in XX/XX/XXXX with an {$8000.00} down payment and Santanders 24.99 % interest rate brought the total financed to {$46000.00}. My credit application ( see attached ) is completely blank other than my contact info and my self employment income I reported. This is all the documentation I was asked when financed. I believe that this practice is inconsistent with the recent settlement terms in the lawsuit brought on Santander by the CFPB.
I find this to be not only a violation of the settlement terms of this case, predatory and criminal practices and unlawful lending and contract but now extremely concerning that after filing this complaint for what is rightfully mine in the title the company deliberately changed the coding and balance on my credit reports to hinder my ability to purchase another vehicle and attempt to hide their further wrongdoing.
|
| 12/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
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I got a paper in the mail today claiming how much I owe the company after they repossessed my vehicle and sold it at auction. One of my problems with this is that on their website it says as of XX/XX/XXXXXXXX I owe {$9200.00}, so why does this paper say my beginning balance as over XX/XX/XXXXXXXX is {$11000.00}? And what really strikes me as amusing is the fact that, Santander Consumer USA, has the audacity to demand {$11000.00} from me after they've done nothing but make my life a living nightmare since I signed the predatory loan through XXXX XXXX in XXXX in XXXX ( suspiciously the 2 men who sold me this used vehicle were fired 2 years after I got the vehicle ) which is also around the time Santander USA was facing the lawsuit for {$550.00} XXXX for predatory lending, which I WAS NOT NOTIFIED OF!!!! My contact information is the same until a month ago, my phone number has recently been changed but my email address has been the same since I was in middle school! I was NOT notified! This was also around the time they deleted my entire credit score on XX/XX/XXXX, XXXX points down to XXXX again! 2 years I paid them to get my credit where it was and they deleted it and couldn't give me an explanation on why! They said they would refer it to their 'credit team ' and I never heard about it again..Calling their call center gets you absolutely nowhere! I called the credit bureaus for them to tell me all Santander had to do was send in an accurate report of my loan, which they failed to do after I notified them of this! And I didn't receive any answers for that either! So many unanswered questions and the cycle of XXXX they put you through is disgusting! They ought to be ashamed of themselves! It's all about the money, I see that now. They completely screwed my whole life, and on top of that I went without a vehicle for months because they drug my car out of my driveway to repossess it at XXXX, ( which they did damage to my property in the process ). Evidently people don't understand how cameras work! I've already written to the XXXX about this, haven't heard back. If nothing happens through this website, I'm contacting a lawyer. I've called frequently through my time with them to get a formal contract sent to my address, have yet to receive one! The only paper contract I have from them is the pink and yellow paper I got from the dealership! I know more than the average bear and I know for a fact this is a predatory loan, they took advantage of me when I was XXXX XXXX XXXX and because I didn't have any credit established they double charged me for the vehicle knowing the probability that my contract was going to default ... XXXX XXXX is responsible too but I'm aware of the statue of limitations on that situation so I'll do them this favor and leave the rest of their story short.. My only question to XXXX would be " When I was sent a trade-in offer in the mail last year and I went down there, how come the lady I spoke to there said there isn't any record of my car being sold there? ( this was after she told me to she couldn't use my car as a trade-in and she then told me to just 'not pay it ' because there's not proof of it existing! Oops, explain that..Sounds like the IRS might need a call too..Then they can explain where nearly {$14000.00} that they sold me my vehicle for, went? I don't know who to go to or what to do about this situation so any advice in the right direction and away from Santander is helpful to me.. Thank you.
|
| 07/15/2023 |
No |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
To Whom It May Concern I am respectfully presenting to your offices for evaluation a pattern of fluctuating interest amounts charged by Santander month to month.
On XX/XX/XXXX, I contacted and spoke to XXXX XXXX, of Santander Banks Executive Offices.
I informed XXXX XXXX that before calling her that I ran an amortization schedule ( See attachment 1 ), from the inception of the loan XX/XX/XXXX, including a change to accommodate the additional principle amount of {$49.00}, XX/XX/XXXX, which I requested, for a total monthly payment of {$400.00}.
Contractually, each month, I am required to pay a total of {$350.00} which I agree with consisting XXXX interest and principle. ( See attachment 2 ) Of the monthly contractual {$350.00} ( interest/principle ), I asked XXXX XXXX why XXXX monthly statements contain small inconsistencies in which the interest and principle amounts fluctuate, whereby sometimes more interest is charged, followed by less interest charged the next month. ( See attachment 1 ) I pointed out that the amortization schedule which I ran, as referenced above attachment 1, indicates that less principle is owed than Santander acknowledges. I asked XXXX XXXX to please provide me with an amortization from the Bank. for my comparison.
I reviewed the following data from several monthly statements with XXXX XXXX, excluding XX/XX/XXXX, which was not yet received by me reflecting the inconsistency in interest charges. Immediately afterward I sent her the data as an XXXX spreadsheet ( See attachment XXXX ).
XXXX of the {$350.00} the interest was reduced from the month before to {$57.00}.
XXXX of the {$350.00} the interest was increased from the month before to {$60.00}.
XXXX of the {$350.00} the interest was reduced from the month before to {$59.00}, then XXXX of the {$350.00} the interest amount increased from the month before to {$62.00}, XXXX of the {$350.00} the interest amount was reduced from the month before to {$57.00}, XXXX of the {$350.00} the interest amount was increased from the month before to {$64.00} I also discussed with XXXX XXXX that I have reviewed the loan contract and could see no reason to explain the fluctuation of interest that occurs month after month in small amounts. Since the first payment, my monthly payments are tendered automatically, paid on time.
Effective XX/XX/XXXX, Santander has notified customers that it is no longer mailing statements to customers, my concern is that it does not alter its content because when one goes online the statement shown is an overview, which does not contain the monthly interest and principle components of the monthly amount due as it does on the mailed statement. ( See attachment XXXX which can be compared to attachment XXXX XX/XX/XXXX statement ) While this is a concern, the primary concern is the inconsistent interest amounts charged without clear explanation.
Since my conversation with XXXX XXXX XX/XX/XXXX, is like others in the past, Santander has been unresponsive. My subsequent calls to XXXX XXXX have not been answered nor have I received her response to my query or the amortization schedule as she promised, whether by telephone, email or mail.
I appreciate resolution not just for myself as a non-collateral loan recipient but for others that may also be experiencing this without realizing or if they realize without response insofar as Santander is an unresponsive organization until an agency reaches out to it.
Thank you,
|
| 08/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I am writing to formally lodge a complaint against Santander Consumer USA regarding the treatment I have received as a customer since opening an auto loan account with them almost three years ago.
Since the inception of my Santander account, I have faced several challenges which resulted in various late payments. The primary factor contributing to these late payments was the global pandemic, XXXX, which caused financial hardships for many individuals across the country. I want to highlight that I communicated this situation to Santander on numerous occasions, and their representatives assured me that they were documenting my situation and taking it into account.
Despite informing Santander of my difficulties and their acknowledgment of my situation, I have been deeply disappointed by their lack of assistance and understanding. Despite the documented hardships and their promise to take note of my predicament, they did not extend any meaningful help such as adjusting my payment schedule or offering any form of financial relief. As a result of their inaction, I was compelled to endure the distressing experience of having my vehicle repossessed on two different occasions.
To recover my car from repossession, I paid an amount that included the overdue payments as well as additional fees related to the repossession process. This put me in an even more challenging financial position. Shortly after recovering my vehicle, I found myself unable to make the subsequent payment due to the substantial sum I had already paid to retrieve my car from repossession.
Regrettably, the situation repeated itself, leading to a second repossession. I made a significant payment of {$2600.00} to regain possession of my vehicle, only to find myself facing yet another impending car payment that I could not afford immediately after such a substantial expenditure. After I paid to get my car out of repossession, my XXXX 's monthly payment was due two days later. My attempts to discuss my predicament with Santander representatives yielded no tangible assistance or solutions, leaving me feeling unheard and unsupported.
Adding to my frustration, I was recently informed by a Santander representative via phone that my account had once again fallen into repossession status. Surprisingly, this was the first notification I received of my account 's status, as I had not received any written communication regarding this matter and was told by the previous representative that as long as I set up payment arrangements, I would be fine. I promptly made the necessary payment to remove my account from repossession status and expressed my concerns about the lack of assistance I had received.
The representative assured me that my concerns would be escalated to a higher authority who would do a thorough review of my account and that I would receive a follow-up call. However, despite their assurance, I am yet to receive any communication from Santander regarding the review of my account or the proposed next steps.
In light of the aforementioned circumstances, I believe that my consumer rights have been disregarded and that I have been treated unfairly by Santander Consumer USA. I kindly request your intervention and assistance in resolving this matter in a just and equitable manner.
I appreciate your attention to this matter and look forward to your prompt response.
Sincerely, XXXX XXXX
|
| 04/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Hi my name is XXXX XXXX and I was defrauded egregiously on two occasions. First by a scammer and then by my banking institution XXXX. In XX/XX/2022 I received a scammer call from a Santander consumer banking number XXXX unbeknownst to me. They alleged that there had been fraudulent activity on my account at XXXX for XXXX. I immediately went through with the supposed representative XXXX who then explained they are protecting my account. I was reassured I was covered and my account was protected. On XX/XX/XXXX after I received a notification for insufficient funds I realized by account was breached. I immediately corporates with the Santander fraud department and was reassured these funds would be return. The money was returned in 1 week and I continued saving to return to school. In XXXX I was preparing to make my final payment for my tuition when I realized there were no funds available again. Santander reversed the return with no notice or update as to why they decided to reject my claim. I then requested further information and documentation to ascertain next steps and was told I would be mailed the information. I have yet to receive any mail or information so I can follow up and conduct my own investigation. The insulting part is that these charges were made in XXXX and at the same time I was swiping my card in Connecticut for payment of my nails. When I explained this fact the representative was very dismissive. I am still awaiting the information despite the numerous requests for the information via letters I have yet to receive anything. After doing some digging independently it was brought to my attention that I was not the first this had been done to. Further investigation yielded that one of the stores the purchases were made did not ask for identification nor did they follow procedure. Additionally it was noted on XX/XX/XXXX that my online banking account was a part of a massive company wide breach that yielded multiple customers vulnerable for theft and fraudulent purchases. I communicated this fact bank and received no communication in return. I asked Santander if Im conducting my own investigation and protecting my own account what purpose do they serve. I then asked to speak with a manager and alerted them that they are breaching the agreements surrounding consumer banking and fraud protection stipulated in their own guidelines. Despite my ongoing fight I have been given nothing and now my hard earned money working as a registered nurse still remains out of my possession. I have filed a police report and have continued to try and work with Santander to have my funds returned so I can make my payment for school. On the other end there has been nothing but silence. This hurts as I try my best to save money and to have XXXX stolen from me twice without having any fault and being left vulnerable by a bank that is in place to protect and safeguard my finances is unfair. I am hoping that this complaint does not fall on deaf ears. I will keep fighting for my funds to be returned. I feel as though Santander mistreated me based on my ethnicity and my presumed youth. This type of profiling can not be permitted as consumers will continue to lose trust of the banking systems. Please please please please assist me in recovering my losses. I look forward to hearing from your organization soon. Thanks in advance.
Kindest regards, XXXX XXXX, XXXX, XXXX
|
| 10/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
On XX/XX/XXXX, I called Santander Consumer USA to report my car was damaged in a flood during Hurricane Ian on XX/XX/XXXX. I informed them that my vehicle was a total loss. I was immediately sent a payoff letter with an estimated amount payoff is {$16000.00}. The insurance adjuster ( XXXX ) called and informed me due to the severe damage from the flood my vehicle was deemed a total loss. On XX/XX/XXXX, I received a call from XXXX insurance that my value of the car is less than what I owe on the vehicle that I will have a deficit and I must reach out to the lien holder to see if they have any assistance to cover the deficit. On XX/XX/XXXX, at around XXXX XXXX, I called Santander and spoke to a customer service representative in regards to my vehicle total loss, the representative was very rude in explaining the process and stated that there is nothing they can do and my pay-off principle balance is {$15.00}, XXXX I ask why the pay-off is different she stated its the principle balance. I ask to speak to a manager to escalate this matter, I was then transferred to another person name XXXX, I informed the manager about the situation of total loss of my vehicle and I was concerned about my balance of the car was so high and he informed me that it is nothing they could do because my loan is a daily interest loan and Santander Consumer USA will need full payment of my balance from my insurance. I explained to the XXXX that the interest is high and this is a violation of my rights and I need a copy of my contract. I no longer have the vehicle and if it's possible to reduce the balanced owed to the estimated value of the car so the entire balance is covered by the insurance.The XXXX was uncooperative and refuse to assist me with any relief of the vehicle. After doing my research, I found out that I was eligible to receive payment from a XXXX Santander XXXX. I missed the deadline because I was dealing with covid19. I feel Santander violated my rights by putting me on a subprime loan for my vehicle and I need some type of relief. I purchased this vehicle on XX/XX/XXXX, Unknowing that my interest was very high and that I was paying more interest than principle. On XX/XX/XXXX, I contacted my insurance company and explained to them that Santander is not willing to give me any relief for my vehicle. I was informed by XXXX to contact Santander XXXX XXXX Department, I spoke with XXXX and she stated that my payoff balance is {$16000.00} with interest and they received the claim from my insurance company. I asked if there is any relief and I would have a deficit, she said I purchased Gap insurance and it is not guaranteed that GAP will pay anything towards my balance. I have 5 extension payments behind the loan. I am distraught because I had a financial hardship during Covid and I did not want to default and lose my vehicle. XXXX informed me that those payments were put behind the loan and that interest will continue to accrue during the extension period and that the XXXX insurance will not cover those payments. Santander is profiting by approving high cost loans to disadvantaged auto buyers and they knew and turned a XXXX eye to deceptive service practices and misled me about my rights and risks of partial payments as well as loan extensions. These predatory loan practices have hurt me especially being hit hard in this economic crisis.
|
| 09/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2023 someone placed drugs in a drink of mine. I was led to a park and left unconscious. During this time the aggressor took my phone and all of my credit cards, including my Santander Mastercard ( ATM ). My phone had facial recognition installed and the aggressor was able to steal my facial ID while unconscious and have access to all of my online accounts, including my Santander bank account, emails, all phone and texting features, and apple ID. I was unconscious for approximately 12 hours. During this time, the aggressor accessed my bank accounts, transferred money and began using my ATM card at many vendors, spending close to {$6000.00} in the matter of a couple of hours. The bank did not turn off the card because the aggressor was verifying the activity using my email, phone, and text message features, of which they had full access.
Despite my submitting multiple claims, Santander has denied the claim, stating, " Claim is being denied for inconsistencies. Customer stated their wallet and phone were stolen in XXXX, customer is stating they were drugged and face ID was used to access the device. Inconsistencies, all intake calls were reviewed in this matter. The Customer only stated they were drugged after being read the denial reason on the first claim submitted there is no mention of this on other calls, there are inconsistencies in the customer 's story. Additionally, customer is seen accessing OLB via password during the suspected fraud period. Customer is not provided an explanation on how the XXXX was obtained. The XXXX password was not changed during this time. Due to these inconsistencies, no credit is granted. '' -Santander 's claim that information was missing in the initial report is untrue. The fact facial ID was stolen was provided at this time and not reported ( no proof of this documentation has been provided ). The customer service agent during this conversation was overwhelmed by the crime and the purchases taking place, saying things like, " Wow, these dudes are buying some expensive sneakers. '' Interested more in the story than the report and my well-being. Perhaps there is a recording of the conversation in Santander 's archives.
-The report is correct and confirmed by me that my on-line banking password was entered and used during this time. I explained to the fraud department several times at Santander that there is no mystery here, it was not me. My aggressor had access to all of my accounts, including Santander, on my phone through facial ID, which was stolen from me while unconscious. The aggressor was accessing my accounts and transferring money from savings to checking accounts, so they could continue to use the debit feature.
-No extensive review of my account activity was cited after over 15 years of banking. I had not used my ATM card for a withdrawal or debit transaction once in XXXX this year, prior to ~ {$6000.00} being spent in a matter of hours without the bank shutting down the card. My debit card has been used historically at most XXXX times/year, and there were over XXXX foreign transactions competed within hours. The negligent party is Santander in this complaint.
-Finally, I have a police report registered with the Police Department in XXXX with these matching statements and timeframes. I have offered this to Santander and they have not accepted it.
|
| 06/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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The company is trying to escape liability for the terms of the contract. It clearly states on the back of my contract that " ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTER COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTER SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER ''. There were many aspects of this contract that did not abide by Federal Regulations including, the mischaracterization of the Finance Charge, No explanation of the fact that I was signing my property over to the dealership or Chrysler Capital, when my own credit was extended in order to purchase a private vehicle for family use. The contract clearly states that {$57000.00} was paid on that day, including a {$1000.00} cash payment, which is against the Regulatory Guidelines of the characterization of the finance charge. The finance charge can not include charges of a type payable in a cash transaction. This means that I was either robbed of security interest in my vehicle, or I was duped into a different type of transaction than the Consumer Credit Transaction that I clearly stated to both XXXX XXXX & XXXX XXXX that was my intention to initiate, when I arrived to purchase the vehicle. I did not understand this contract, or the laws which protect me from unfair credit practices at the time of signing & I'd like to cancel it immediately due to the violation of my right to acquire consumer credit in an honest & fair environment, violation of Federal Regulation due to the mischaracterization of the finance charge & failure to provide an accurate & true itemization of the finance charge. It was not clearly stated that I have the option to choose optional charges like the service contract or GAP, which were financed with the dealership, when they should have been a part of the Finance Charge if I did chose them once presented with the clear option ( which never happened ), & never explained to me there was a separate cash transaction taking place in concurrency with the Consumer credit transaction, but somehow I was charged another {$30000.00} by the dealership outside of the Original {$25000.00} that was extended to me through the use of my social security number ( credit card number ) in order to attain the vehicle. It also clearly states in my contract, that I am to pay {$56000.00} over the coarse of 72 monthly payments of {$770.00} but in your recent letter to me, you acknowledged that I was to pay {$770.00} towards the funded amount of {$30000.00}, which could only mean that the Original Contract is null & void & your records don't match what was purported to me on XX/XX/2023. I've clearly requested of Chrysler Capital, an itemization of the finance charge, which they have failed to provide. I believe it dishonest & impractical to purport that I would willingly agree to pay {$30000.00} in an unrelated cash transaction in order to receive a truck which cost only {$25000.00} of my consumer credit, with complete knowledge of the context & all conditions within this contract. I've clearly stated legal grounds under which this contract should be VOID & all moneys arising from the transaction returned to the Original creditor of the Original Consumer Credit Transaction, which would be XXXX : XXXX.
|
| 06/01/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I set up a business checking account with santander Bank in XXXX, NJ. The initial process took over 2 hours but that was only because of the teller 's multiple mistakes slowing the process, such as putting in the wrong email address and waiting more than an hour for it to go through. They input the wrong name, got my phone number and my email address incorrect. This is totally unacceptable. They spent most of that time trying to sell me merchant services claiming their decision is based solely on projected sales and the type of industry which was a lie because it was rejected for credit after I had already expressed my concerns about credit and they told me that wasn't a factor. Lies, mistakes and incompetence. They continue to call me the wrong name even after I corrected them multiple times. I waited for the debit card and when it came it too was incorrect. Big waste of time just because of their own mistakes which they blamed me for on multiple occasions. Last week I deposited multiple checks and hit an undisclosed monthly mobile check depositing cap and had to deposit 2 of the checks in person. Most of the funds were almost immediately available and were available for most of a week. Yesterday when I checked, they had taken XXXX of dollars out of my available balance without any notice or explanation. I tried to call the bank, they hung up on me. I called the manager on his cell phone and he told me they were busy and it wasnt a good day for this. I am missing XXXX of dollars. Even after explaining I don't want to deal with the teller that made so many unacceptable mistakes already, the manager had that same teller call me. He told me I must be mistaken or wrong and that the funds were never there. He then told me it was because it was all 1 big check which is a lie as it was multiple smaller checks with a combined total less than the amount we were discussing in person. They placed an extended hold and I have to wait another week before it's available. How can a bank take XXXX out of the available balance? It went from over {$5000.00} to {$900.00}. After I assured him I wasn't wrong and I do, in fact, know the status of my company 's account, considering I am the only one with access, he had to call the back office and would call me right back. Hours later he called and told me the available was just the bank " fronting money but its taking too long so they took it back '' word for word. How is this ethical or professional? This bank has provided nothing but lies and mistakes and has continually hindered my ability to operate my company. I believe financial institutions should be held to a higher standard. When the manager refused to offer an adequate explanation I waited a day and requested his superior 's contact information, his response was an angry phone call instructing me to close my account and no longer bank there. This has been an egregiously frustrating experience from the very beginning stemming directly from their incompetence and lies. I feel I was decepted by the merchant services and I demand to know how a bank can steal almost {$5000.00} and claim it'll be another week before I will have access to it, again, because it was already there and mine. I can be patient but I refuse to be continually manipulated and defrauded by this financial institution.
|
| 11/20/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/23 I purchased flights to XXXX XXXX for a trip dated XXXX.
On XX/XX/23 I called XXXX XXXX ( XXXX ) at XXXX and spoke to XXXX to cancel my flight. She told me I would get my refund within XXXX business days and the money would go back to my card ending in XXXX.
On XX/XX/23 I called XXXX XXXX to check on the status of my refund. I was told they processed the refund on XX/XX/23 to card ending XXXX as follows : {$770.00} ( for my ticket ) {$64.00} ( for my seats ) {$770.00} ( for my husbands ticket ) {$69.00} ( for my husbands seats ) On XX/XX/23 I called Santander ( XXXX ) and spoke to XXXX who told me he did not see any refunds on my account from XXXX XXXX.
On XX/XX/23 I called XXXX XXXX and told them I still had not received my refund and they said the issue was with the bank because the money was sent. They gave me the following ticket numbers so that the bank could trace the money : # XXXX {$770.00} # XXXX {$64.00} # XXXX {$770.00} # XXXX {$69.00} On XX/XX/23 I called Santander back to tell them what XXXX XXXX had said, and they told me I had to open a claim. The claim was opened with claim number XXXX. I was told I would get a letter in the mail and either a refund within 10 days or a decision within XXXX days.
On XX/XX/23 Santander credited my account the following amounts : {$770.00} {$770.00} {$69.00} {$64.00} On XX/XX/23 I noticed the amounts were debited back to my account. I called Santander and was told the investigation was closed and the claim denied because more than 120 days had passed since the original claim. I do not see how when XXXX XXXX issued the refund XX/XX/23 and within XXXX weeks I filed the claim.
On XX/XX/23 I called XXXX XXXX, and they restated that the money was out of their hands and in Santander as of XX/XX/23. They told me they would email Santander to let them know.
On XX/XX/23 I spoke to a Santander rep who told me to email the evidence XXXX XXXX gave me so I could reopen the claim.
I sent an email to XXXX to reopen the claim on XX/XX/23.
On XX/XX/23 I received the letter from Santander stating our investigation has determined that no error occurred : The documentation provided by the merchant or reviewed during the investigation verified that you authorized the transaction.
On XX/XX/23 I called Santander at XXXX to see if my email had been received and he told me that if I had evidence, I had to open another claim and then email the evidence I have. He reopened the claim, and the new claim number is XXXX. He explained that if my claim gets denied this would be my last chance.
Below is the information XXXX XXXX gave me as evidence : XXXX XXXX says they issued the refund on XX/XX/23 and below are the ticket number confirmations, which they say the bank should use to track the refund.
Ticket number XXXX : XXXX {$770.00} Ticket number XXXX : XXXX {$64.00} Ticket number XXXX : XXXX {$770.00} Ticket number XXXX : XXXX {$69.00} XXXX sent Santander Bank my original XXXX XXXX itinerary which includes the code ( XXXX ) to verify that my flights were canceled. In addition, I sent screenshots of when I was credited the money on XX/XX/23 and when it was debited on XX/XX/23.
On XX/XX/23 I called Santander Bank to check on the status of the claim and I was told it was denied because the transaction was too old.
|
| 04/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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I had a car that was completely paid for ( $ XXXX ). XXXX - I wanted trade it in for a cheaper car to get some money. At XXXX XXXX of XXXX in XXXX, I thought the car was advertised for less than what they sold it to me for, but also they gave me less than what they said they would give me for my trade in. This made the cars similar in price ( $ XXXX and XXXX ), but I didnt really understand what was happening until the deal was coming to a close. XX/XX/ - I called the next morning to unwind the deal but they wouldnt. I kept asking and they had me come in to see what they could do on XX/XX/. They sold me my car back ( $ XXXX ) and took the car they sold me as a trade in for much less than I bought it ( {$16000.00} ). They said there would be a difference in what I owe because they put some money into my car already and they needed to make some money. They said I would need to get a loan. Based on how they described it, I figured I would be paying a loan for a few XXXX. I gave them two pay stubs from a job I had for two weeks at XXXX XXXX at the mall. They were less than {$90.00}. I said I am not currently working. I told them I was getting another job in XXXX. They didnt take the paystubs. They said they wont work and they need to figure something else out. I was told they figured it out, had me sign papers and I left with my car. I asked a couple times how much I was buying my car back for but they just kept telling me I was lucky to be getting my car back, and saying they dont usually do this. They had me sign things on the bottom of an XXXX. When I got home and looked at the paperwork, I saw how long and how much I was going to be paying. I tried to contact them and tell them that I wasnt ok with what happened and I needed someone to explain. They would not respond, and they wouldnt answer any of my phone calls. I went in person to ask for paperwork and they said it had been deleted, that they do that after so many days to protect my privacy and it would be against the law to give me a credit application copy anyways. The general manager kept asking me why I wanted the copies. I asked my parents to help me. I live in a different state so it took time for my mom to come. XX/XX/ - My mom has gone with me to the dealership to get a copy of the paperwork because she said by law they are required to keep the records. She was able to get them and asked for them to unwind the deal since the information they used to get me the loan was fraudulent and because I didnt understand what I was signing. Also, they had included a warranty in the paperwork that they didnt ask me about. They said they would not unwind the deal. The loan is through Santander Consumer USA. XX/XX/ - She called them to ask how I was approved for a loan and they said it was based off information put on the credit application. The application filled out by the dealership shows that I worked at XXXX XXXX as a sales associate for {$3800.00} a month. It shows I worked there for XXXX years. It had the wrong address as a previous address and had the wrong time frame I lived there.
My original car - XXXX The car they sold me- XXXX XX/XX/23 XXXX sold for XXXX XXXX bought for XXXX XX/XX/23 XXXX sold XXXX XXXX bought for XXXX Loan for XXXX with 17.4 % interest
|
| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Im at wits end. I have no idea what is going on over there at the CFPB. You claim Im not the one submitting it. This to me is crazy. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see these complaint are processed to the letter of the law. So Im submitting it again hopefully for the last time. XXXX has been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below was opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this documents. They claim they verified the account without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing it from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA.
SANTANDER XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX SANTANDER XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : XXXX, SANTANDER XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
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|
Web |
|
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I took out a loan with Santander Consumer USA in XX/XX/XXXX. They gave me this loan which LITERALLY set me up for failure. I got XXXX a couple months after I purchased the car and was put on XXXX for the duration of my XXXX due to XXXX Then XXXXXXXX XXXX XXXX while I had an infant. I ran into some hard times upon which they repossessed my car without any notice which gratefully my Aunt paid to help me get my car back. Upon getting help with those hardship times they made me sign pages upon pages of paperwork. My Aunt has worked in mortgage loans her whole life, which although a bit different, she understands car loans very well. I have been making payments forever and it doesn't seem like my payments are ever touching the principle. So, I gave my Aunt my transaction history and asked her to go over my loan and help me understand. They gave me a loan for XXXX on a XXXX vehicle with a payment of {$550.00} a month. First of all, I was in a tough place at the time that I got the car, in fact, I was only doing side jobs to make money, I didn't even provide them with proof of income. My Aunt looked at everything I sent her and discovered that my interest rate is fluxuating when the contract I signed was a fixed interest rate. Also, they have my term end for XXXX of XXXX, which if you calculate my remaining debt of {$15.00}, XXXX at {$550.00} a month, EVEN IF the entire payments went to principle, it will NOT be paid off at the maturity date they have on my account. AND WE KNOW that there will be interest. So, my Aunt advised that I call Santander and request copies of all documents on my file which contain my signature - and they refuse to give me anything except the contract which I informed them that I already have my dealer copy. When I asked Santander about the maturity date and debt still owed not adding up- they said they have made modifications to my loan. Which again, they refuse to provide me copies of. I have gathered that I WILL NEVER get this car paid off because when I do my calculations, almost my entire $ 551 monthly is going to interest. I asked Santander if I was supposed to be qualified for the Class Action Suit they had and they told me my vehicle loan was not obtained during the time frame of that suit. I told them that my vehicle was purchased on XX/XX/XXXX and the ending date of the lawsuit time window was XXXX of XXXX. The customer service rep shuttered at my knowledge and still insisted that either way, I did not qualify. I am at a loss because not only has my XXXX XXXX XXXX had 3 major breakdowns leaving me without a vehicle causing me hardships and barely runs at this point, but also I cant seem to get it paid off so that I can get myself and my XXXX XXXX XXXX into a safe and reliable vehicle. Can you help me PLEASE? I am desperate to end this madness with this car and loan because this car has literally almost XXXX XXXX XXXX and me many times due to all of the engine/transmission issues but I also cant get the loan paid off because they have my loan set up to where they charge me however much interest they want, seem to add whatever fees they want and modify the loan without any knowledge to me. I would like copies of whatever they have on file as well.
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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This complaint is against SANTANDER CONSUMER USA Until viewing my credit file, I have been disputing inquiries this company placed on my credit file, without my permission. My initial dispute started in XXXX of XXXX. All XXXX credit bureaus come back with first a stall tactic and then a fake validation letter.
According to the credit bureaus, they have confirmed with this company that the inquiry belongs to me and that you are not removing it. I Demand that you do IMMEDIATELY! I have lost all my patience and this is the final attempt before I file legal action against this company.
I have been the victim of ID theft. I was in a XXXX accident early last year and someone made an attempt to apply for XXXX in my name. I have short term XXXX from my job so knew this wasnt me. A XXXX months later they made several attempts to obtain credit cards and car loans in my name. There are XXXX inquiries from Santander Consumer USA on my report. No one in their right mind would put that many credit inquiries, apply to the same company, in such a short amount of time. I have not applied for any auto loans or credit cards and do not wish to. It's obvious this is fraud.
Since this agency is reporting that the inquiry is valid then I demand to see the proof. Also, prove that it is actually me that made the inquiry XXXXI demand the original credit application signed by me, showing my wet ink signature? You dont because it doesnt exist.
XXXX.Did you even make an attempt to investigate this matter to prove it was actually me? Again, no you did not as I was never contacted by this company in regards to this so-called fake investigation.
XXXX. I demand a full ledger of every step of your investigative process, for each dispute submitted by me.
To continually ignore my request for validation shows malicious and willful noncompliance, which is against Federal Law. You have violated many federal laws in The Privacy Act of XXXX. XXXX agency is not allowed to share information with another agency without a consumers consent.
15 UCS 1681 Section 604 A Section 2 - clearly states any furnisher of consumer reporting is to have written consent from the consumer before reporting and item. Santander Consumer USA did not have my consent.
I have reported this fraud to the proper authorities. I am demanding you remove all inquiries made by this company to all three credit bureaus immediately. Federal law states that fraudulent items are to be removed within XXXX days. You have run out of time. If these inquiries are not removed and proof of this action has not been sent to me I WILL TAKE LEGAL ACTION AGAINST YOU. Violation of the Fair Credit Reporting Act is {$1000.00} per violation. Since you have decided to ignore or perform proper due diligence when I demanded an investigation, you are responsible. You are the furnisher of this information, so the burden of proof and all liability is on you. At this time, I am demanding {$2000.00}, for the violations and the immediate removal of all inquiries from this company.
The following inquires were placed fraudulently on my report on XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Your expeditious handling of this matter is expected.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i recently received a copy of my credit report and i noticed an account on my consumer report that should not be on there. I demand the below account be deleted from my consumer report immediately.bank ( Chrysler capital ) acct # XXXX. the reporting of this account is/are violations of 15USC 1681 ( a ) ( 2 ) ( b ) : ( EXCLUSIONS-Except as provided in paragraph ( 3 ) the term " consumer report '' does not include ( B ) any authorization or approval of a specific extension credit card or similiar device, so under the thruth in lending act 15USC 1602 ( g ) " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit devices existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are used for extension of credit. I am writing in regard to the above refenced account and transactions. this vehicle was purchased at XXXX XXXX dealership on XX/XX/2018. I have recently come across inform from the federal trade commission ( FTC ) more specifically the gramm-leach billey act 15usc 6802 obligations with respect to disclosures of personal information. ( a ) notice of requirements except as otherwise provided in this subchapter, a finacial institution may not, directly or through any affiliate disclose toa nonaffiliated third party. any nonpublic personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title, In general a financial institution may not disclose nonpublic information to a nonaffiliated third party unless finacial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party ( b ) the consumer is given the opportunity before the time that such information not be diclosed to such third partyand ( c ) the consumer is given an explantion of how the consumer can exercise that nondisclosure option. ( XXXX XXXX dealership ) or chrysler capital did not disclose this information to me that is required by federal lawXXXX XXXX dealership knowingly and willfully witheld pertinent information regarding the disclosure of my information to affiliated and non affiliated third parties.XXXX XXXX dealership knowingly and willfully withheld information that explained how i the consumer can exercise that nondisclosure option.you are in violation of several laws you have 10 calender days from the receipt of this letter to delete this account from all credit reportiong agencies that you have furnished this information to along with all my consumer reports that this information is on. should you decide to discriminate against me for future business and or product because i excercised my rights under this or any chapter i will be coming for you for danages and i will use contents of this coreespondence as proof os such decision. in regards of XXXX XXXX XXXX
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT SANTANDER CONSUMER U 5 LATE PAYMENTS Balance details 100 % paid off Balance {$0.00} Balance updated XXXX XXXXXX/XX/XXXXXXXX Original balance {$13000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXXXXXX Account type Installment Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY LEGEND Status Pays account as agreed Status updated XXXX XXXX Past due amount - Original balance {$13000.00} Monthly payment {$0.00} Additional info Responsibility Joint Account Terms 74 Months Company sold - Original creditor THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
I do not agree they did not remove fraud Account PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Subject : Letter of Compliance - Failure to Follow XXXX XXXX Reporting Standards Dear, CFPB I am writing to bring to your attention the discrepancies and non-compliance with XXXX XXXX reporting standards regarding my XXXX XXXX account. It has come to my attention that there are multiple violations in the reporting of this account, which I believe has resulted in inaccurate information being reflected on my credit report.
According to the information provided in my credit report, the details of my XXXX XXXX account are as follows : Creditor : XXXX XXXX Account Reported : XXXX. XXXX, XXXX Account Status : Closed Balance : {$36000.00} Account Type : Auto Responsibility : Individual Account Remarks : Charged off account Times XX/XX/XXXX days late : XX/XX/XXXX Upon careful review, I have identified five key areas in which XXXX XXXX has failed to adhere to the XXXX XXXX reporting standards : 1. Reporting of Payment History : The provided payment history table is incomplete and lacks the necessary information for each month. It fails to accurately reflect the payments made and the status of the account during specific periods, resulting in an inaccurate representation of my payment history.
2. Payment Status Reporting : The current payment status and worst payment status of the account are both inaccurately reported as " Charge-off. '' However, I have never made any payments on this account, and it should be reflected accordingly.
3. Account Status : The account is reported as " Closed, '' but there is no indication of the date or circumstances surrounding the closure. It is essential that the closure details are accurately reported for transparency and clarity.
4. Responsibility : The account is correctly reported as an individual account, which aligns with my responsibility for this debt. However, other information indicates an inaccurate payment history, suggesting a failure to properly attribute the responsibility of the account.
5. Lack of Additional Information : The report lacks crucial details, such as the highest balance, monthly payment, and exact terms of the loan, which are essential for a comprehensive understanding of the account.
Based on the discrepancies outlined above, I kindly request that XXXX XXXX promptly rectify these issues and ensure compliance with the XXXX XXXX reporting standards. Additionally, I urge you to take immediate action to investigate and correct the inaccuracies in the reporting of my XXXX XXXX account.
Please be aware that failure to comply with these standards and address the inaccuracies within a reasonable timeframe may result in further legal action to protect my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).
I appreciate your attention to this matter and your prompt resolution. I expect to receive a written confirmation once the necessary corrections have been made to my credit report.
I have attached proof of identification ( s ) as well down below in this letter.
Thank you for your cooperation. I 100 % sign and pledge that I am the sole writer of this letter.
Sincerely, XXXX XXXX XXXX
|
| 05/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
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On XX/XX/XXXX I purchased a XXXX XXXX XXXX from my previous employer, XXXX XXXXXXXX XXXX I agreed to a 2.37 % interest rate for 4 years at {$660.00} a month. The cash price of the vehicle was {$19000.00} and I put a total of {$1000.00} down, {$500.00} cash, and {$500.00} trade-in value from my XXXX XXXX XXXX. After completing the transaction and filing out the loan application paperwork I continued my work for the day as usual and went about my day thinking I made a great deal. I was told I would be handed the copies of any paperwork by the end of the day and then I thought maybe by tomorrow, then maybe next week and then I was terminated on XX/XX/XXXX. I had asked numerous times for my paperwork and I was never given it. I attempted to call both XXXX and XXXX after my termination but never got a response until my tags came in which I went to go pick up as the were closing one day in XXXX. I received an envelope with my tag and what I thought was all the paperwork I had requested numerous times before but, when I got home and opened it there was just my tag and registration along with a service package placard that I didnt request but was charged for. STILL, no loan paperwork. I called Santander on XX/XX/XXXX and asked if they could provide any of the documents that they may have received from XXXX XXXXXXXX. I got an email that day from XXXX XXXX XXXX '' with the contract with the FORGED signature. XXXX XXXX only sent one document which was sent from XXXX. I have no idea who XXXX XXXX even is. I never would have agreed to pay over {$47000.00} which included the interest for an economy car worth {$20000.00}.
I stopped making payments in XXXX of XXXX because I wasn't getting my debt validated. After I got the contract from XXXX XXXX XXXX '' on XX/XX/XXXX that I could never get from University XXXX I opened up a dispute with XXXX on XX/XX/XXXX as this is NOT my signature on this contract. I opened up a dispute with XXXX and XXXX on XX/XX/XXXX. I have all the proof that is needed to prove that this signature is not mine. Today, XX/XX/XXXX when I woke up my car was missing. I suspect but don't know for a fact, that my car was repossessed. I called the XXXX XXXX Police Department. An officer came out and said this is a civil matter and they couldn't help me. I have sent an email today to the XXXX email address that sent me the contract to let them know it was missing and all of my ID 's, passport, cash, credit cards, personal information and parts for customer vehicles was in there. I asked in the email if they in fact did pick it up, where is it? I have had to cancel credit cards, order a new drivers license, order a " lost '' passport and spent numerous hours doing so. Despite me reaching out to try to get this debt validated. I have never received a debt validation letter. Just an emailed contract with a FORGED signature on XX/XX/XXXX from XXXX XXXX XXXX '' who ever they are. The signature on that contract from XXXX XXXXXXXX is XXXX XXXX the secretary/treasurer at XXXX XXXX XXXX I have attached to this complaint all documentation supporting my claim.
|
| 09/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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This complaint is directed to Santander Consumer USA for violation of XXXX XXXX provisions regarding auto-pay. I have a newly issued car loan with Santander Consumer USA.
The loan was provisioned via XXXX bank and transferred to Santander. The email message from XXXX XXXX received XXXX XXXX stated The welcome information you will receive from Santander Consumer USA XXXX will explain how to set up autopay with them, so you never have to worry about missing a payment.
The first statement received from Santander Consumer USA in the mail, dated XX/XX/XXXX, indicated an amount of {$790.00} due on XX/XX/XXXX. The statement included payment options. The statement did not stipulate that auto-pay would be utilized to collect payments. In fact the statement directed me to go to their website to sign up for autopay if I wished to do so. I DID NOT sign up for XXXX.
Because I am a conscientious and financially responsible person, I made my payment on XX/XX/XXXX in the amount of {$790.00} to Santander Consumer USA through my banks online bill pay servicce. Santander Consumer USA proceeded to auto withdraw funds from my account on XX/XX/XXXX for the same monthly payment in the amount of {$790.00}. I immediately notified Santander on XX/XX/XXXX that they took out a payment that was : XXXX. Not authorized.
XXXX. Duplicative of a payment that was already made.
XXXX. Damaging to my bank account balance ( this resulted in a XXXX balance in my account ).
Santander Consumer USA instructed me to fax in a bank statement showing the withdrawals, request to stop autopay ( even though I never authorized it ), and request to have my account credited with the payment they took in error. I complied with every request despite security concerns with sending my confidential information to an unknown fax number ( they did not offer any other secure means of requesting my money back ). I downloaded a statement of account from my bank which showed both withdrawals and the balance for each transaction and faxed it to the number they provided on XX/XX/XXXX.
On XX/XX/XXXX Santander contacted me by phone and told me they could not refund the payment because my statements did not show account balance. I indicated I was at that exact moment staring at the statement which stipulated account balance. When I asked them to tell me how many payments were made to my account XXXX in XXXX, they read back the XXXX payments made exactly as I outlined them above. I told them they had XXXX hours to refund the money.
To date, Santander has not refunded the duplicate payment, nor have they, at minimum, offered to apply the payment to what would be due in XXXX, XXXX.
Santander Consumer is in violation of the notice requirements of XXXX XXXX XXXX XXXX because they never disclosed that they were using autopay for my monthly payments. Santander Consumer USA is also in violation of the rectification of errors provisions of XXXX. Since this appears to be a process in place between Santander Consumer USA and XXXX XXXX, I am assuming there are many more consumer victims out there.
|
| 04/26/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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SANTANDER bank owes me documents for many months and it is now very urgent that I receive them as I am in contract to sell my coop.
I paid off my mortgage for my coop with Santander Bank on XX/XX/XXXX, XXXX I emailed and phoned Santander bank requesting my original stock certificate and proprietary lease starting in early XX/XX/2022, as these are required for me to sell my coop. I also emailed the person who was my attorney for the purchase and was also the Santander bank attorney and who serviced the title for the purchase of my coop, XXXX XXXX, requesting the same in early XX/XX/2022. I originally was told by Santander that the documents were lost and that they were working on my request, which could take 50 to 90 days. Since then I have gotten the runaround. Dozens of emails and phone calls have given me conflicting info, while communicating with different Santander ( and then XXXX ) employees. I was first told that both documents were lost, but lately I am told via email that one or the other document has been found and they are looking for the other.
My coop is now in contract to be sold. One of my current lawyers for the sale of my coop, XXXX XXXX, XXXX, requested a lost stock and lease Affidavit in XXXX. I went to my local Santander bank in XXXX, XXXX XXXX, NY for help, and met with XXXX Specialist/ Relationship Banker, XXXX XXXX XXXX XXXX XX/XX/XXXX.
XXXX called the mortgage dept requesting the affidavit. He was asked by XXXX in the mortgage dept that I provide the specific language that needs to go on the affidavit. I emailed Santander with this info, provided from my lawyer, on XX/XX/XXXX ( which Santander claimed they did not receive ) and again on XX/XX/XXXX. Receipt was confirmed by supervisor XXXX, who said she was escalating my request and that I would hear back within 2 days from upper management and get a single point of contact from now on. She said that if I didn't hear back, I can ask specifically for her by using her initials XXXX. I did not hear back and nobody was able put me in contact with her.
After several more calls and another supervisor escalation, I received an email from XXXX, client advocate at XXXX. She claimed via email that she was not able to help me, but she then emailed me " that Santander does have the stock certificate and will be sending it out. '' However, I have since heard via attorney XXXX XXXX that Santander found the lease, but are looking for share certificate.
I still have not received any documents or affidavit. My coop is in contract and a closing date is imminent.
I can provide you with other dates and names of other people that I have spoken with about this issue.
Also, I have been told repeatedly that only regular mail will be used when the documents are ready. I explained several times that my regular mail is not dependable. I offered to pay for another secure service like XXXX or XXXX and was denied. I also asked that it be delivered to my local santander bank where I can easily pick it up. Each time, I am told that that is not possible.
|
| 11/05/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
To Best Buy Corporate Resolution Team : Where is my {$190.00} REFUND that Best Buy Corporate Resolution Team pledged to reimburse me, for the month of XX/XX/2023?!? WHY is Best Buy charging {$490.00} to my Account, for an undisclosed/deliberately concealed/hidden Best Buy product which I DID NOT Purchase/DO NOT NEED/NO ABSOLUTELY NOTHING ABOUT?!? Who is the Phantom Customer who allegedly made the purchase?? WHY are there NO DATES connected to/CONFIRMING/associated with this pretended/purported {$490.00} sale?!?
BUT, most importantly of all. WHY is Best Buy permitting a Phantom Customer to steal my identity AND make purchases, using my Credit/Debit Card Account?!?. I expect/anticipate the {$190.00} Best Buy Refund to be deposited-into my Bank Account by XX/XX/2023/TODAY!!
Best Buy Business-tactics are highly questionable/very sloppy!
XXXX XXXX CFPB Complaint No. # to Best Buy : XXXX Best Buy Customer Service PIN # : XXXX XXXX XXXX XXXX Best Buy Membership ID # : XXXX Best Buy TotalTech Plan Serial # : XXXX FCC Complaint Ticket ID # : XXXX Forward From : XXXX XXXX Sent : Friday, XX/XX/2023 XXXX XXXX Subject : XXXX # Re-Newal_DEP Subscription Confirmation : Reference # : XXXX You have been charged {$490.00}, order placed successfully.
Review the attached PDF document for details.
Contact # : XXXX Thank you for your patience.
Hi XXXX, The email below was not sent by Best Buy and was probably sent with fraudulent intent. Our advise is that you do not engage with the party that sent the email as it was not Best Buy and is not related to Best Buy in any form.
Regarding your refund, it was already processed back to you. This was in XXXX amounts as previously stated. {$140.00} was done on XX/XX/XXXX and {$48.00} on XX/XX/XXXX.
Please feel free to contact me if you do not see in your account.
With Kindest Regards, XXXX Senior Executive Resolution Specialist Best Buy Customer Care Phone : ( XXXX ) XXXX | Email : XXXX Best Buy Stores, L.P.
XXXX XXXX XXXX XXXX, XXXX, MN XXXX, USA | BestBuy.com XXXX Duplicate Receipt XXXX XXXX START RECEIPT XXXX Welcome to Best Buy # XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XX/XX/23 XXXX RETURN Original Tran XXXX XXXX XXXX XX/XX/23 XXXX MY BEST BUY XXXX MY BEST BUY TOTAL YEARLY MEMB Original Price XXXX Days not used XXXX Of XXXX Pro-rated Refund XXXX Sales Tax XXXX XXXX MTHLY MBR L XXXX MTHLYBBP LAPTOP ADH $ XXXX $ Plan ID XXXX Sales Tax XXXX XXXX XXXX XXXX XXXX XXXX Subtotal XXXX Sales Tax XXXX XXXX Total XXXX XXXX Keyed USD {$140.00} REFUND XXXX Manual Approval XXXX My Best Buy Member ID XXXX Service plan Terms & Conditions are available at BestBuy.com/PlanTerms Return/Exchange Policy : 15 days on most purchases. Activatable devices have a 14-day return policy ( 30 days for XXXX activatable devices ). For details, go to BestBuy.com/Returns. To learn about privacy practices, go to BestBuy.com/Privacy.
Your Customer Service PIN is : XXXX XXXX XXXX XXXX ************ END RECEIPT ************ =====================================
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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|
Web |
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Company has refused to protect us from identity fraud, and charges us fees for fraudulent payments. XXXX father made repeated fake payments, and we've thus been hit with NSF fees that were not refunded.
Company has refused to protect us from identity fraud, and charges us fees for fraudulent payments. For fear of our physical safety and lives, we did not make payments until they could reassure us that XXXX father 's access would be blocked. They refused. They not only refused, but after being repeatedly begged to take action, allowed him to re-enable the entire account and maintain access.
Company, by refusing to protect us from identity fraud, has endangered the physical, financial, and emotional health of our entire family. Husband 's XXXX father, who obviously knows his SSN, has access to the online account, and with it, our new address.
Company, by refusing to protect us from identity fraud, has resulted in us paying hundreds-thousands of dollars of interest, and thousands on a lawyer, to attempt to refinance loan in solely husband 's name. Prior to contacting lawyer and almost half a year ago now, we were approved to refinance without the co-borrower. When the refinance company called to verify that this was okay, the bank gave husband 's XXXX father 's number out, who denied the refinance loan.
Company has repeatedly delayed responses to lawyer ; has given out false information to delay responses ; has failed to communicate what was needed to delay responses ; and responded to a request to remove XXXX father 's access by removing our access to the account.
To be clear, the XXXX father is not remotely involved with this account. His name is not on the lease as a borrower or co-borrower, nor is it on the title. He, by nature, knows husband 's SSN and name. Husband and family friend is on the lease. We asked that they block his father, not accept payments from his father, and add an account PIN to access the account. At one point, they deleted our entire account and we reset the login/password ; however, they then allowed his father to call in and use his SSN to get access to the new account and even blocked us out of it.
Company has been in contact with us by phone, XXXX XXXX, and now an attorney. We need a FEDERAL organization to step in and help, as they outright refuse to address any of these issues. They refuse to protect our private information from someone committing identity fraud. They refuse to stop refinancing companies from thereby calling someone not connected to their accounts to approve/deny a refinance loan. They refuse to protect our physical safety by blocking XXXX father 's access to account. They now even refuse to respond to our lawyer. They've cost and continue to cost us thousands of dollars.
They need a federal investigation, federal banking practice monitoring, and/or to be shut down altogether. These practices and flagrant enablement is not okay. We're also not the only ones to complain about them, and others need help, too.
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
|
| 11/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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XX/XX/22 My previous complaint ( # XXXX ) against Santander Consumer USA was closed after company responded. The Issue was not ameliorated, instead they continued their unlawful activity and further violated my rights as a consumer in this great corporation. ( United States ) They have yet to provide proper debt verification as I requested after their first correspondence ( debt verification should be signed under perjury by account and notarized and that was not done ) I sent Santander an Affidavit of Truth XXXX clearly stating all FDCPA violations made against me. Unrebutted affidavit stands as truth in commerce which means i am owed {$1000.00} per violation. I sent my invoice at the time for those violations to which they sent the same automated response they have been sending since day one.
XX/XX/22 Santander changed the reporting to the credit agencies as a charge off ( which is taxable income ) and should not be reporting on my consumer report.
After writing the alleged debt off as a tax write off ( income ) Santander sent their goons ( all XXXX no decals, also informed me he was carrying a XXXX ) to trespass at XXXX XXXX to try and steal my vehicle.
Before he left he also informed me that im not going to win against Santander " they have too much money '' and threatend that they will be back again.
It feels like im up against the XXXX.
*******Racketeering Influenced And Corrupt Organizations Act********* XXXX They sent a different tow company XXXX XXXX XXXX XXXX who also said he was carrying a XXXX ) to come and try to steal my vehicle while my wife was home alone with the children. He stated ( we will have it for another 15-20 days then it will be sent to anther tow company.
*******Racketeering Influenced And Corrupt Organizations Act********* IF 12 USC 1431 ( a ) states that " banks shall have power, subject to BORROW and give security therefor and to pay interest thereon, to issue debentures, bonds, or other obligations '' AND 15 USC 1605 defines Finance Charge as " the sum of all charges '' why does Santander Consumer USA continue to flex their big corporate muscles and intimidate me as the consumer with extortionate measures to collect something that they were already credited for?
*******Racketeering Influenced And Corrupt Organizations Act********* Page 11-12 on Santanders previous response are the only pages with their names and you can very quickly notice THEY FORGED MY SIGNATURE.
*******Racketeering Influenced And Corrupt Organizations Act***XXXX I signed a CONSUMER credit contract ( simple finance charge ) with dealership as the seller and myself as the buyer.
As i stated on my first response to Santander I have no contractual agreement with this 3rd party interloper and they have yet to prove the contrary.
I have exhausted ALL means outside of the courts. IRS is working on the audit as we speak. This is one last attempt to stay in honor and good faith before I take legal action.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
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This complaint does not exactly match the options given on the previous screens.
To be clear, I'm filing a complain against SANTANDER BANK but I am NOT a direct customer of theirs. I will put my mailing address in the next screen.
The issue is I wrote a check on XX/XX/XXXX, # XXXX, for {$46000.00} from my XXXX bankd account to my contractor exactly as he requested : XXXX XXXX XXXX XXXX. The previous 2 checks I wrote to him were exactly the same, and Santander Bank, where he banks, cashed them with no issue.
XXXX said he's banked there for decades with no issue like this before.
In XXXX, he called to say his account wasn't credited, that Santander was going to return the check because of the way it was titled, and could I please send another check to cover the amount I owed him.
I decided to check with my bank, XXXX, to seeif the check had been cashed. It had and the funds were taken out of my bank account on XX/XX/XXXX. The bank advised me not to write another check.
I called XXXX back, and he checked with Santander and found that they had, in fact, cashed the check and were withholding the funds from him, contrary to what they'd told him initially.
It took him weeks to find out they were going to send a cashier 's check back to me at the main XXXX XXXX in XXXX PA.
Monday, XX/XX/XXXX, my friend XXXX and I called XXXX to explain what I'd learned and to call me when the check arrived from Santander because I wanted to be sure it went to the correct account. They were highly concerned because at this point Santander had been holding the funds WITHOUT NOTICE TO ME and very little correct info to XXXX for almost 2 months.
At the XXXX XXXX XXXX 's suggestion, I called my local branch manager who suggested I have a joint call with me, my friend XXXX who helps me with paperwork, the XXXX branch manager, the Santander bank branch manager XXXX XXXX.
My friend XXXX called and the bank manager XXXX XXXX called her back shortly and we told him we had him on speaker so I could hear and described why were were calling. He immediately said he would not talk further to us, to our bank manager and " This was XXXX XXXX 's fault. Did he tell you that? '' He proceeded to comment further about he'd kept XXXX XXXX informed the entire time. I said XXXX had to constantly check in with Santander to find out how they were going to get the money back to me, and that the issue was that Sandander was holding MY {$46000.00}, and I had no way to check on MY MONEY!
As of today, XX/XX/XXXX, I still do not have the money back into my account, and no way to find out exactly how they were sending the money, exactly when they were sending the money, and the form it was going to take. Santander did not provide XXXX with a tracking number or any more information other than it was going to XXXX in XXXX within a few weeks ( as of XX/XX/XXXX ).
XXXX XXXX will be filing a complaint as well. His email is XXXX.
|
| 05/04/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
My mother died on XX/XX/XXXX. At the time of her death, she had a checking account at XXXXXXXX XXXX with a balance of nearly {$43000.00}. I fist contacted them to close the account on XX/XX/XXXX. They required I go to the branch face-to-face with her death certificate to close the account. I live in XXXX, WA. I had to travel more than XXXX XXXX miles to hand deliver the death certificate. On XX/XX/XXXX, I traveled to the XXXX XXXX to hand deliver the death certificate. I also gave a copy of the court order naming me personal representative of my mother 's estate. XX/XX/XXXX, I called XXXX decedent affairs to ask about the progress in closing the account and was told that I had to take a second cross country trip to request the funds in person. After insisting to speak with a manager, I was told that I could close the account by mail if I sent another copy of the court order naming me executor of her estate because they needed a copy with a raised seal. I had to pay a lawyer to get a copy with a raised seal. I sent that to Santander Decedent affairs on XX/XX/XXXX.
They refuse to give me the money.
Sometimes they tell me that I have to travel to XXXXXXXX XXXX to pick up the check.
Sometimes they tell me that my mother does not have an account and that the account number printed on her last statement from when she was alive is not a real account and that it doesn't even have the right number of digits for an account.
Sometimes decedent affairs tell me that the money is waiting for me at the branch where my mother opened the account. Before taking another XXXX XXXX mile round trip to collect the check, I called the branch. There is no check and they have no idea what I am talking about.
Sometimes, they insist that my father is a signatory on the account and only can get the money. He died more than XXXX years ago.
Sometimes, they tell me that I am a signatory on the account ( because my name is the same as my deceased father ) and that I can't close the account through decedent affairs because I am not dead.
Sometimes they tell me that I never brought my parents death certificates to the branch.
Sometimes they they have me mail copies of the documents to XXXX XXXX XXXX XXXX MA XXXX. Other times, they tell me to mail copies to XXXX XXXX XXXX XXXX MA XXXX with no explanation of what's different in the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Their excuses are different every time.
They also insist that Santander Bank does not have a complaints department or a process for disputes resolution. They refuse to give me anything in writing. They make me call them on the phone. I frequently get disconnected after being on hold for more than XXXX minutes.
Please help. That {$43000.00} is a major part of my mother 's legacy of caring for her family. We really need it. It shouldn't take more than six months of repeated requests for them to close a deceased person 's account.
|
| 10/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Cell Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Iowa XXXX Dear Sir/Madam, I am writing to file a formal complaint against Santander Bank regarding the abrupt closure of my business checking account and the prolonged delay in refunding my initial deposit. My name is XXXX XXXX, and I am the owner of XXXX XXXX, with an address at XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX.
On XX/XX/2023, I opened a Business Checking Account with Santander Bank at the XXXX XXXX, in-person, with an initial deposit of {$5000.00}. I chose Santander Bank because of its proximity to my business and a promotional offer that required maintaining a {$5000.00} balance for 90 days to receive a {$500.00} bonus.
However, on approximately XX/XX/2023, I received a letter via XXXX Mail notifying me of the abrupt closure of my business account, which had only been open for a short time. As of today, XX/XX/2023, my initial deposit has not been returned to me.
I attempted to resolve this issue by contacting Santander Bank 's customer service on XX/XX/2023, and received Complaint Reference Number XXXX. Unfortunately, the customer service representative I spoke with was uncooperative and could not provide me with a clear timeline for the return of my funds. I requested an expedited refund of my deposit, but the response I received was vague, leaving me uncertain about when I would receive my funds. Santander Bank has held my funds for over 1.5 months, causing me significant financial stress and frustration.
I would like to emphasize that my request for a business checking account did not involve seeking any credit facility from the bank. The abrupt closure of my account has had a negative impact on my credit report, as it now shows that the account was opened on XX/XX/2023, and closed within a month. This adverse information will create suspicion among potential financial lenders and negatively affect my financial standing for the next five years.
I believe that I and my business have not been treated fairly by Santander Bank, and I request compensation for the loss of the promotional bonus, the time wasted in the account-opening process, and the frustration caused by this ordeal. Furthermore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Santander Bank addresses these issues promptly and appropriately.
Bank took into consideration attached report from XXXX XXXX XXXX. I do not see any problem in the report. Report is attached.
I appreciate your prompt attention to this complaint and your efforts to protect the rights and interests of consumers. I look forward to a resolution that rectifies this situation and prevents similar occurrences in the future.
Thank you for your assistance in this matter.
Sincerely, XXXX XXXX XXXX XXXX
|
| 08/14/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I became aware about XXXX XXXX, XXXX, that Santander Bank opened an unauthorized account in my name in violation of the Truth in Lending Act.
I did NOT sign contract and did NOT activate unrequested card XXXX, destroyed on arrival unused.
Santander used card XXXX at least three times in defiance of multiple certified cease-and-desists and with knowledge it has no authority to post any charges to XXXX. It never has sent me a single statement.
The bank resurrected in violation of the Fair Credit Billing Act an unauthorized charge from XX/XX/XXXX to XXXX that was fully credited and vendor confirmed refund ( see attached ) that was made one day later. Per Santander rep XXXX on or about XXXX XXXX in a phone call I audio-recorded, that credit became final when XXXX closed.
I sent Santander Chief Legal Counsel XXXX XXXX certified letter dated XX/XX/XXXX, outlining his banks many legal violations. A month later, his automated email reply promised investigation and resolution.
With no reply, despite XXXX assurance the bank is investigating these legal issues, I followed up by phone on XXXX XXXX, XXXX, with XXXX assigned case agent, an apparent comm grad, not a lawyer.
He demanded payment from me plus hundreds of dollars in phony late fees and daily interest -- in violation of the Fair Debt Collection Practices Act. He did not object when I disclosed I audio-recorded the call with intent to share it.
He insisted that he will reply to me only through a woman in Minnesota. I told him repeatedly I do NOT know that woman.
To prove to me shes your lawyer from an auto-lending firm, he emailed me her letter. Shes just a customer who Santander has similarly wronged. He adds two violations of customers privacy rights to Santanders long list of legal violations. He referred to at least two other data points irrelevant to either of our complaints as reason for dunning me, so he may be conflating at least four wronged consumers.
As I protested Santanders capricious behavior, he ranted to the effect, You cant buy furniture, keep it and falsely report it as an unauthorized purchase. I told him the zombie {$63.00} confirmed as refunded XX/XX/XXXX and credit final by XXXX XXXX to XXXX was neither furniture nor auto lending, nor even a product ( it alleged nonexistent future service ). He persisted in more elaborate gaslight, then hung up.
Santanders spokesman may have conflated disparate complaints in preparing to bundle and sell to a third-party debt collector these debts that Santander knows by substantiation and testimony are illegitimate. If so, Santander would fulfill its malicious vow to harass me if I dont relent to its extortion, while laundering that illegal harassment from its hands.
Isnt selling debt thats already proved to be fake a criminal act?
I sincerely believe this matter warrants criminal referral. This is new, and It affects more than only me.
|
| 10/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
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I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : Opportunity to cure dishonor. This will be CHRYSLER CAPITAL only chance to settle this matter before XXXX XXXX files suit against this company in XXXX XXXX. XXXX XXXX is agreeable to a lump sum payment of {$30000.00} to settle this matter. Please contact me on or before XX/XX/2022 for purposes of settling this matter. If I do not hear from your company on or before the due date, XXXX XXXX will file a lawsuit against XXXX XXXX XXXX XXXX XXXXXXXX XXXX and CHRYSLER CAPITAL without further notice. It is in your company 's best interest to settle this matter before a lawsuit is filed to avoid legal, court fees plus violations costs ( attorneys fees for XXXX XXXX, CHRYSLER CAPITAL. Based on the foregoing, I accept payment in the amount of {$30000.00} made payable to XXXX XXXX, at my address XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX and send SATISFACTION AND RELEASE OF LIEN and report amount paid in full to my consumer credit report no longer than due date XX/XX/2022. I can also be reached at the email above If CHRYSLER CAPITAL decides to ignore this demand for payment, XXXX XXXX will further pursue all of its legal remedies without further notice to debtor. This letter serves as evidence that XXXX XXXX ' creditor has attempted to resolve this matter formally.
1. Validation of the debt- that is, the actual accounting per GAAP XXXX
2. Verification of your claim against me. A signed invoice or sworn affidavit.
3. A copy of the contract binding both parties CHRYSLER CAPITAL and XXXX XXXX.
1. I need full Disclosure. I was not told that I was actually creating the credit.
2. Equal Consideration, CHRYSLER CAPITAL brought nothing of value to the table and CHRYSLER CAPITAL had nothing to lose.
3. Law terms and conditions were based on fraud!
4. The wet ink signature of both parties.
Fraud, deliberate concealment of material information. 15 U.S C 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for the willful and knowing violation. Im a federally protected consumer, I will demand discovery and a trial by jury.
|
| 03/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I am writing to dispute the auto loan account that has been charged off and sent to collections, which is currently being reported on my consumer reports by your company. I believe that your company has violated the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) in regards to this account, and I request that you delete it from my consumer reports immediately.
Firstly, I believe that your company has violated FCRA Section 623 ( 5 ) ( A ), which requires that a person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have not received any notification from your company regarding the date of first delinquency, as well as the FCRA compliance date, along with the name of the party who reported the date of first delinquency, which is required by law.
Secondly, I believe that your company has violated 15 USC 1681 ( a ) ( 2 ) ( B ) of the FCRA, which excludes any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device from the definition of a consumer report. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition includes my social security card, drivers license/ID, and license plate which are/were used for the extension of credit. Therefore, your company 's reporting of this auto loan account is a violation of the FCRA.
Lastly, I believe that your company has violated the GLBA by failing to provide me with proper notice and an opportunity to opt-out of the disclosure of my nonpublic personal information to nonaffiliated third parties.
Specifically, GLBA Section 6802 ( a ) requires that a financial institution may not disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of the Act. GLBA Section 6802 ( b ) ( 1 ) also requires that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have not received proper notice from your company nor have I been given an opportunity to opt-out of the disclosure of my nonpublic personal information.
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing to inform you that I am a victim of identity theft. I have recently discovered that several accounts have been opened in my name without my knowledge or consent. These accounts include : A. ) Chrysler capital- Account was opened with my name fraudulently in XXXX XXXX XXXX XXXX XXXX with a balance of {$36000.00}. I didnt notice until about XXXX of XXXX when I received a call from the XXXX police department.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX was opened with my name fraudulently in XXXX on XX/XX/XXXX with a balance of {$930.00}. Ive tried disputing before, XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$630.00}. Ive also tried disputing before, XXXX XXXXXXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$1000.00}. Ive also tried disputing before, XXXXXXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX was opened with my name fraudulently in California on XX/XX/XXXX with a balance of {$550.00}. Ive also tried disputing before, XXXX XXXX XXXX has unfairly denied as I am not sure who has opened this account. My identity has been compromised, and I have currently already filed for a new license and Socials Security Card.
I did not open these accounts and have not authorized any transactions on them. I have not received any correspondence or statements from these accounts, and I was only made aware of their existence when I checked my credit report.
Furthermore, I have also learned that my driver 's license and social security card have been compromised. I have taken the necessary steps to report this to the relevant authorities and am in the process of obtaining new identification documents.
I would like to request that you immediately close these accounts and take any necessary steps to prevent further unauthorized activity. I would also appreciate it if you could provide me with a copy of any fraudulent transactions that have occurred on these accounts.
I would be grateful if you could also inform me of any additional steps I need to take to protect myself and my credit in the future.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX Lenders listed above are not handling my dispute in a fair and timely manner.
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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As a victim of fraudulent activity related to an opened car loan that I did not authorize, I am very concerned about the impact this has had on my financial wellbeing. According to the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I have the right to dispute any fraudulent information on my credit report and seek restitution for any damages caused by the fraud.
Under FCRA section 1681g, I am entitled to receive a copy of my credit report from all three major credit bureaus and review it for accuracy. If I find any inaccuracies, I have the right to dispute them with the credit bureau and the creditor that provided the information. Additionally, under FCRA section 1681e, creditors and credit bureaus have a duty to ensure that the information they report is accurate and up-to-date. In this case, the car loan that was fraudulently opened in my name should not have been reported to the credit bureaus without my consent, and any negative impacts to my credit score resulting from this fraudulent activity should be rectified.
Furthermore, under TILA section 1641, if the creditor sells or assigns the car loan to another party, they are required to notify me in writing of the transfer within 30 days. If the creditor fails to provide this notification, I have the right to rescind the loan for up to three years after the loan is made. Given that I did not authorize the opening of this car loan, it is unlikely that I received the required notification of transfer, which may give me further grounds to challenge the legitimacy of the loan.
As a victim of fraud, I should not be held liable for any debts incurred without my knowledge or consent. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from engaging in any abusive, deceptive, or unfair practices in attempting to collect a debt. This includes attempting to collect a debt that is not owed or attempting to collect an inflated amount. If the car loan in question was fraudulently opened and I did not benefit from the proceeds of the loan, I should not be held responsible for repayment of the loan or any associated fees or interest.
In light of these laws and protections, I urge the creditor and any collection agencies involved in this matter to take swift action to rectify this situation. I should have a provisional credit added to my account for the full amount of the fraudulent loan, and any negative impacts to my credit score resulting from this fraudulent activity should be removed. I also request that the creditor and any collection agencies cease all attempts to collect on this debt until the matter is resolved and I am provided with sufficient evidence that the debt is valid and owed by me.
Thank you for your attention to this matter, and I look forward to a swift and satisfactory resolution to this issue.
|
| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
|
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On XX/XX/, Santander denied me a car loan and violated my ECOA and Tila rights.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Santander Consumer USA Inc .
Consumer Relations Department XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Adverse Action Notice under the Equal Credit Opportunity Act ( ECOA ) and the Truth in Lending Act ( TILA ) Dear Sir/Madam, I am writing to express my deep concern regarding the recent denial of my pre-approval for a car loan with Santander, as communicated to me in writing on [ date ]. As a diligent consumer, I am fully aware of my rights under the Equal Credit Opportunity Act ( ECOA ), USC Title 15 Chapter 41, and the Truth in Lending Act ( TILA ). It is my belief that Santander 's denial of my loan application constitutes a violation of these federal statutes.
Under the provisions of ECOA, lenders are prohibited from discriminating against any applicant based on their race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. TILA, on the other hand, mandates that lenders provide consumers with specific disclosures and explanations regarding credit decisions.
In light of the above, I am requesting that Santander provide me with an adverse action notice as required by both ECOA and TILA. This notice should clearly state the following information : 1. The specific reasons for the denial of my loan application, including the factors that adversely influenced Santander 's decision. 2. The credit scoring model used by Santander, if applicable, along with the information sources used in generating the credit score.
3. Contact information for the credit reporting agency that supplied the credit report used in evaluating my loan application.
4. A copy of the credit report upon which Santander based its decision, as per my right to request such information under the Fair Credit Reporting Act ( FCRA ).
5. A statement informing me of my right to obtain a free credit report from the aforementioned credit reporting agency within 60 days.
I would also like to remind Santander of its responsibility to comply with the provisions set forth by these statutes. Failure to provide me with the requested adverse action notice within the specified timeframe may compel me to pursue further legal actions to protect my rights as a consumer.
I kindly request that Santander promptly addresses this matter to ensure compliance with the law. I expect your full cooperation and look forward to receiving the requested adverse action notice within 30 days of your receipt of this letter.
Please consider this letter as a formal request for the adverse action notice, and kindly acknowledge receipt of this correspondence. You may reach me at XXXX if you require any additional information.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
|
| 01/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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To whom it may catch their attention, on the end of the month of XXXX I started disputing and allege Account with Santander Consumer USA XXXX And XXXX XXXX XXXX in the city of XXXX CA, I have noticed Several illegal activities on the contract. I addressed this with the dealership and with santander consumer USA. I have asked for verification on the contract of the vehicle, I have also noticed that I am making payment to Santander Consumer USA. on the contract that I signed With XXXX XXXX XXXX Shows My signature. But not Santander Consumer USA. In order for a contract to be valid both parties Signature Needs to be in that contract. to me, this is considered fraud I would like to continue making my payments. as requested by santander, consumer USA. If Santander. Could provide me with a signed invoice I will be happy to pay it. But if Santander Consumer USA. Can not provide me? With that sign invoice I am considering this account as discharge and regarding XXXX XXXX XXXX. The {$5000.00} given for the down payment of the Vehicle which I Was not required to pay. Needs to be returned to the consumer Also, to my knowledge, Santander Consumer USA XXXX TENDER OF PAYMENT.
If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorse or accommodation party having a right of recourse with respect to the obligation to which the tender relates. If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. Also, my understandings are the following.
Obligation to my knowledge the term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank.
currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
While traveling in XXXX NY, my fiance and I, co-owner of our XXXX XXXX XXXX, our vehicle stalled out at an intersection. It appears the gas gas gage was malfunctioning showing we had gas but the vehicle ran out of gas. We put on hazard and walked to gas station for purchasing gas. Upon returning the vehicle was gone. For 3-4 weeks we called XXXX, XXXX, and XXXX XXXX XXXX and was informed the XXXX did not tow/ have the car. Per XXXX rules, in such instance, the vehicle should have been moved within a 10 Block radius. All searches proved fruitless for the vehicle. We called XXXX again and was directed to return to the intersection of the stall and call XXXX, for purpose of reporting the vehicle as stolen.
ThXXXX XXXX XXXX showed up. Prior to this, we visited thXXXX XXXX XXXX and was informed by officer on duty that they did not have possession of our vehicle. However, when the officials showed up for the stolen vehicle report, we were informed that our vehicle had indeed been towed to the police station, XXXX XXXX
The officers on the scene called the XXXX to confirm that the vehicle was still there, At this time, they then informed us the vehicle had been towed from the XXXX and provided us with an address and phone number for the alleged towing company.
We proceeded straight there. Upon arrival, there was no tow truck company at the address provided by the XXXX.
We called the phone number provided, a representative of the towing company informed us that they were no longer at the location provided by the XXXX and that for some reason the XXXX did not have updated information.
We notified the representative that we were really, willing and able to pick up the vehicle.
He stated that we could not do so, not until after the XXXX XXXX XXXX as he was away on vacation.
After the XXXX we contacted the towing company again, by phone, he provided us a false address for picking up the vehicle.
Through die diligence we were able to find the location. Upon arrival, the towing company attempted to charge us a fee for the days that he was on vacation. We refused to pay these exorbitant, jacket up fees, as it wasn't our fault they were on vacation.
A couple days later, we returned to pay the fees but the towing company refused to accept our debit card, stating that they would only accept cash.
This all seemed fishy, we declined. All contact with the XXXX to resolve the situation proved fruitless.
We contacted the Internal Affairs Department of the XXXX, Complaint NumberXXXX., Because we had not seen, nor have possession of our vehicle for about 9 months.
We did not make payments during the time we were being denied information and access to our vehicle.
On XX/XX/XXXX, the vehicle was repossessed by Santander Bank, and we were informed they would be selling the vehicle and we would be responsible for remaining balance..
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Bank XXXX XXXX XXXX XXXX XXXX XXXX Subject : Concerns About Privacy Violation Dear Santander Bank, I hope this letter finds you well. I am writing to express my concerns regarding what I believe to be a potential violation of the Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) XXXX which governs the disclosure of nonpublic personal information by financial institutions. I have been a customer of Santander Bank for 1 year ( s ), and I appreciate the services you provide. However, I have recently become aware of a situation that has raised questions about your compliance with the privacy protections outlined in the aforementioned legislation. Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) ( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the nondisclosure option. consumer can exercise that After reviewing my credit report ( s ) from XXXX, XXXX and XXXX, I discovered that Santander Bank reported late payment starting on XX/XX/. According to Section ( C ) of the Opt out section of Gramm-Leach-Bliley Act ( 15 U.S. Code 6802 ) Santander Bank should have provided me with an explanation of how to exercise my right to the nondisclosure of my personal non-public information. As a customer, I value my privacy and my rights under the law to protect my nonpublic personal information. The Gramm-Leach-Bliley Act is in place to ensure that financial institutions maintain the privacy and security of customer data, and I trust that Santander Bank will adhere to these regulations. I kindly request that you investigate this matter and provide me with an explanation of how Santander has complied with the privacy provisions of the Gramm-Leach-Bliley Act. If there has been a breach of privacy or a violation of the law, I would for Santander Bank to remove my personal information from XXXX, XXXX and XXXX. Also, I would like an explanation of how Santander Bank will prevent similar occurrences in the future. I look forward to your prompt response to address my concerns. Thank you for your attention to this matter, and I trust that Santander Bank will take the necessary steps to ensure compliance with the Gramm-Leach-Bliley Act and protect the privacy of its customers.
Sincerely, XXXX XXXX
|
| 10/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XX/XX/2023 I applied for a credit card with another company, XXXX Bank. That application got declined, and on my adverse action notice the decline reason read past or present delinquent credit. The credit score disclosure quoted me a score of XXXX. Both came as a complete surprise to me as I regularly carry a credit score of about XXXX and pay very close attention to my credit. I went on line to XXXX, confirmed my XXXX score, and learned my overdraft line of credit with XXXX was past due 90 days. This is the account causing my troubles, and this is the first Ive learned of any delinquency. I immediately went online to my XXXX online banking site only to show that this account is carrying a {$0.00} balance. So I called XXXX customer service.
The first person I spoke to at XXXX wasnt able to help much so I asked for a manager. It was here I learned that the {$0.00} balance showing on my online banking page was not correct. I had to click on the Unsecured LOC link to find out additional details. When I clicked here I found an interest charge of {$1.00}. I am delinquent 90 days on a {$1.00} balance. In addition to this I had to point out to the manager that they were also charging me a {$20.00} fee, an amount that seems excessive for {$1.00} delinquency.
I paid the amount past due on the spot, along with the fee. I asked why I was never notified of the delinquency ; I was told I was notified on my statement. I said the 4 page statement that gets sent to me monthly with lots of small print, she said yes. I asked why no one called, texted, etc like other banks do ( and like their credit cards do ) and was told they dont have a process for that. I asked since it was clearly an honest mistake with a minimal amount past due, can the reporting to the credit report be removed. Her answer was no, its an honest reporting of the data and theres no way to do that. It will be updated to reflect the account as paid to date now.
I asked for another manager. After being put on hold for a moment I was told no, all that would happen is I would get the same answer. I asked how could I file an executive complaint? She told me there was no way for me to do that. She could do that for me. I asked her to please do and to please have someone call me. Later I checked in with my local branch and was told the complaint had been filed and I need to let the process work its course.
In addition to extremely poor customer service, I believe there are a few XXXX issues here. Excessive fees, hidden interest charges, lack of acceptable customer service being that I was not able to file my own complaint, and poor communication of important data on their online banking. For these reasons I am asking for your help. Anything you can do to help me get my credit report and score corrected would be greatly appreciated.
|
| 05/22/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
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Web |
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I took out an auto loan through Chrysler Capital in XX/XX/XXXX. I have paid monthly installments ( {$350.00} ) over the last 4 years and on XX/XX/XXXX I sent my final installment via a guaranteed cashiers cheque to settle my auto loan to the value of {$13.00} XXXX. My balance was due on the XX/XX/XXXX The cheque was sent via registered mail and as a result I received confirmation that the check had been received and signed for.
on XX/XX/XXXX I called to follow up on my payment, a Chrysler Capital customer services agent informed me that they had lost the cheque and requested that I send the front and back of the cheque as well as the confirmation of delivery. This information was sent on 3 separate occasions and I have called weekly to follow up on the status of my payment.
on XX/XX/XXXX I received a letter in the post dated XX/XX/XXXX stating that I need to return my vehicle to the dealership as I have not settled my auto loan, it outlined that I need to return the vehicle within 10 days of the date of the letter ( XX/XX/XXXX ) to avoid my vehicle being repossessed On the XX/XX/XXXX I called Chrysler Capital to follow up on the letter as I wanted to outline that my check was in query. I was assured that there were notes within the system outlining that they were in the process of locating my check furthermore they requested that I resend a copy of my check via fax once more to stop further action from being taken. They also outlined that it would take 24 - 48 hours for my fax to be available for their view on my file. this was outlined each time I sent a fax on the XX/XX/XXXX I called as a follow up to ensure once more that they had received proof of my check as well as proof of the check being delivered however this time after having sent them the information three times they outlined that the information that they had requested three times prior was in fact not sufficient enough.
they outlined that I need to contact the bank to determine in Chrysler Capital had endorsed the check, I followed up with my bank who outlined that due to the funds being in Chrysler Capitals name, and technically not in my account they could not provide me with that information. They outlined that 90 days would need to lapse from the date of the check being issued to provide any information about a potential endorsement or reissue. for all intents and purpose the funds are in Chrysler Capitals name and in the instance they have lost the check, they would need to declare that to the bank for the release of the funds available to them.
I currently have received notice based on the letter that if they have not yet located or cleared my check and I have not yet returned my vehicle that they will recover my debt by means of repossessing my vehicle despite having sent a check and issued payment at my end.
|
| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Santander Consumer USA YOU HAVE BROKEN THE LAW.
I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report unless it is clearly and conspicuously disclosed. 35 % of my calculated consumer score comes from Payment history and by you reporting incorrect information you are letting others know I am not creditworthy.
Below is the law you have broken and violated my rights.
Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( XXXX ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's credit worthiness,XXXX credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( XXXX ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( XXXX ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( XXXX ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation and my life.
|
| 02/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I was scammed of my identity last month XX/XX/XXXX. Lost {$800.00} through XXXX XXXX I reported it in to the bank. I got all the money back. Bank is full aware of my identity fraud situation. Had me change my pin. Nothing more. I didn't report to police as bank claimed they took care of everything. My credit is on freeze and my card wasn't on freeze on XX/XX/XXXX because I was using it to buy medicine. {$750.00} was taken out of my bank. I recieved no alerts, no notifications about this transaction until I atempt to use my card to only find out I was negative $ XXXX. I called in the bank that evening and they told me they will put the dispute in. They said transactions was made in XXXX XXXX which is no where near me and it is done through XXXX XXXX where my account was no longer active. XX/XX/XXXX I went to the branch in person, to tell me that the claim was denied and I need to pay back the debt. At the same time my work check was being direct deposited. I told the bank I need the money for rent and I don't have the money. They told me, I could open a loan account and set up a payment plan and they can help me with loan forgiveness. They continue to tell me that the claim got denied because the " merchant denied the transaction being taken place. '' I spoke with 4 different advocates plus 1 from the branch. They said if i could get a statement from XXXX XXXX stating account was not under my control and my card was compromised the claim can be open again. I end up calling cash app service and open a case there. Later that evening I called in my bank and they said because " I agree to policy money can't be refunded '' even when I told them and the fraud specialist that i want through identity fraud along with the case XXXX from XXXX XXXX. They never gave me an answer to why none of this was flag and how this individual was able to make multiple transactions overdraft. They told me that my account will be flagged and lock and my card was put on hold and another claim will be open. My check went through XX/XX/XXXX For another withdraw of {$50.00} was made. Despite my card being on hold and me telling the advocates of this inquiry. XX/XX/XXXX I officially made police report. Same day, I went back to the bank again but to a different branch and they also didn't give me answers other than a puzzled look from the experience I had from the other branch. They said they will put the claim in for me which I assume was never done and told them of recent withdraw. They close down the card and is sending me a new one. I have to wait 45 days for response to see whether or not the claim goes through. I'll claim fault if I made the fault but I have been robbed and my bank twice has failed to protect my money and putting me in a situation where I may have to pay back a debt that wasn't used by me.
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| 09/02/2023 |
Yes |
- Debt or credit management
- Mortgage modification or foreclosure avoidance
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- Didn't provide services promised
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Web |
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On XX/XX/XXXX, I filed a CFPB complaint on XXXX XXXX regarding loan modification RESPA violations and as of this date, they have not provided me or my third party representatives with any answers regarding the principle amount of the loan modification, if the loan modification of 7.375 % conforms with FHA loan limits, or fixing errors on my credit report. I need this information to make an informed decision on their reinstatement offer or they will foreclose on the property in XX/XX/XXXX. They stated in the offer that the agreement is time sensitive and that the new interest rate goes into effect XX/XX/XXXX. Their actions have shown that they are not in the business of helping me keep my home but making every effort to bury me in debt.
Santander has violated RESPA laws on many occasions such as reporting me to the Credit Bureau for missed payments during the Covid-19 Forbearance period ( See attached XXXX ), as well as reporting for missed payments when I made a payment on XX/XX/XXXX ( See attached XXXX XXXX ), and refused my payment on the following month, XX/XX/XXXX. They reported me to the Credit Bureau for that month and their actions has caused my score to drop to the low XXXX ( See attached XXXX XXXX XXXXXXXX ). Santander has been misreporting from XXXX till XXXX while they process my application. They are in violation of RESPA laws and have yet to tell me when they will correct this problem.
Other examples of unethical business practice 1. XX/XX/XXXX, I submitted my loan modification application and reached out to HUD for assistance. The representative asked Santander for a status on my application XX/XX/XXXX and never received it. On XX/XX/XXXX, the representative emailed Santander on the status of my application. A response on my loan application, as well as them addressing the high interest rate on my FHA mortgage was never received ( See attached XXXX ) 2.I submitted my loan modification application XX/XX/XXXXXXXX and the process was drawn out till XX/XX/XXXX. When the appliction was sent they asked for documentation. When I would send the requested docs, they would ask for additonal information ( See attached *XXXX ). They did this more than ten times while threatening me with court documents to foreclose on the property. I was left with no other option but to file for bankruptcy. The bankruptcy was discharged because I missed my court date since I was hospitalized due to mental health reasons caused by the stress that Santander was and is still putting me through.
3. While Santander 's underwriters would be reviewing my application, they were reporting me to the Credit Bureau for missed payment. They would refuse my payments stating I had to wait to be reinstated and still misreporting me to the Credit Bureau ( See attached XXXX XXXX and XXXX XXXX XXXX )
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| 11/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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The Situation : On XX/XX/XXXX, I walked into XXXX XXXX XXXX XXXX XXXX to inquiry about financing a vehicle. Upon arriving, I was greeted by XXXX XXXX. XXXX begin asking what my XXXX XXXX XXXX XXXX was and how much I was earning a month in income. I told him what I believed the score to be at the time and I told him how much I was making exactly a month in my career. Afterwards, we proceeded to look at cars based off the information I shared. Afterwards, we went back inside the dealership to see what the banks would approve me for in credit. Upon running the XXXX credit, I was approved for a XXXX XXXX XXXX that had a price for {$20000.00} based upon what the contract says. After submitting my bank statements, proof of income and credit financing application XXXX came from the financing office and told me the banks required me to put down cash in order to drive the vehicle off the lot. Not knowing the federal law at the time, I negotiated what he claimed was being requested to be put down so I put down {$3500.00} to drive off the lot via ACH method. The complaint I have is that XXXX XXXX XXXX XXXX XXXX violated federal law and dishonored their obligation to uphold Truth In Lending. The first violation of federal law is found in 15 U.S. Code 1605 - Determination of finance charge - ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
(
2 ) Service or carrying charge. ( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American |
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In XXXX I opened an account with Santander USA while purchasing a car.
Every payment per month, I obtained 1 point toward my credit score. During Covid, I complained about the company Santander USA for their delay in offering assistance to customers affected by Covid. Ever since I filed the complaint, members of the Santander USA staff began retaliating by failing to report payments for credit or blocking payments online in an attempt to make my payments difficult and/or late.
Their efforts failed. Their system partners with credit bureaus such as XXXXXXXX, XXXX, and XXXX. XXXX has reported XXXX point increase every XXXX months. XXXX and XXXX have reported a XXXX point increase every XXXX months in spite of on time payments. This hinders any progress towards an excellent credit score of XXXX.
In retaliation to my complaint, Santander USA recently reported a late payment taking place in XX/XX/XXXX by fraudulently stating that the payment was made of XX/XX/XXXX. This was only done after a recent complaint about absent score reporting in which I accused them of withholding up to XXXX points. The entire 3 years and 9 months, my payment score has been 100 % on time. While they only give XXXX point per XXXX months, this false report has in XXXX removed XXXX points. Which was recovered after a complaint with the State Attorney Generals Office. In XXXX in the same month they falsely reported last year in XXXX, XXXX points were deducted in 1 day, based on this false accusation of this false payment made in XX/XX/XXXX. The online credit history and my receipts, both validate and confirm my onetime payment of XX/XX/XXXX, yet the Santander USA, XXXX, XXXX, and XXXX have all opted to ignore the evidence and allowed my credit to be destroyed and damaged after years of effort to obtain good credit. In XXXX Santander USA reached a settlement of {$550.00} XXXX dollars with XXXX states for deceptive loan practices after legal action by the federal government. I estimate my credit would be XXXX, if not for the practices of Santander USA, XXXX, XXXX, and XXXX to subtract hundreds of points from my credit score based on fabrications, retaliation, and fraudulent credit reporting. The lack of legal action has made this organizations arrogant and fearless with corruption towards consumers. Thousands of consumers have communicated on social media, comparing the practices as part of a norm with these organizations. After three years of obtaining XXXX point every few months for continued on time payments, Santander USA, XXXX, XXXX, and XXXX casually deducts hundreds of points sending me back to the beginning of my plight 4 years ago. I would like these companies investigated and my score restored to its actual score between XXXX and XXXX.
|
| 12/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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My cell phone was stolen while the phone was unlocked and the thief was able to access my apps, including my emails which had proof of my social security number. That same night, I noticed various fraudulent charges on both my checking account and credit card due to my accounts being linked to certain apps on my cell phone, such as XXXX, XXXX, XXXX, and my mobile banking app. Also, an XXXX credit card was opened under my name with a balance of roughly {$600.00}. The most significant charges were two separate XXXX transfers out of my checking account for {$1500.00} and {$1000.00}. I called the Bank ( Santander ) the following business day to communicate my issue and file a fraud claim. The Bank accepted my fraud claim on all other transactions ( XXXX, XXXX, XXXX ) ; however, they denied my claim for the two XXXX transactions totaling in {$2500.00} of lost money even though the explanation I gave for the claim was the same. This shows inconsistency in their fraud review and only leads me to believe that the XXXX claim was denied since it was of higher value. I provided the Bank with supporting documentation making it obvious that the phone was stolen including a police report, email communication with police, an identity theft report, and screenshots of the fraudulent XXXX and rideshare ( XXXX XXXX charges. I also offered to provide a receipt to show that I purchased a new phone, but was told this wasn't needed. I have filed fraud claims with all companies involved in these transactions ( XXXX XXXX and XXXX to dispute the XXXX XXXX XXXX XXXXXXXX, XXXX ) and all of the companies accepted my claim concluding that these transactions were clearly fraudulent. However, I have had issues with retaining my stolen funds from the XXXX transactions from Santander Bank, even though as I mentioned previously they accepted my claim relating to other transactions that occurred as a result of my cell phone being stolen. Due to this, I have reason to believe the Bank is in violation of Regulation E, and as a consumer I should have protections against unauthorized transactions on my account. It has now been 3 months that I have been dealing with this with no resolution when this should have been an open and shut, straightforward case. Santander has not been helpful at all throughout this process and has only put up roadblocks because they do not want to pay the money that was stolen from my account. I am a former employee of the Bank and have been a longtime customer and am severely disappointed in how I've treated throughout this process from a customer service standpoint. I would not recommend anyone bank with them given the way they treat their customers and lack of resolution in dealing with difficult issues.
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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XXXX of XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX XX/XX/2022 is the date if the initial transaction.
I purchased a vehicle for XXXX I bought the vehicle as a cpo ( certified pre owned XXXX ) and the Bussiness was committed to honor the cpo status of the vehicle for 2 years or XXXX miles and thats after the new vehicle manufacturer warranty expired and it just did at XXXX i bought the vehicle with XXXX miles on it and have supporting documents that the vehicle was advertised to be CPO. On the two other occasions, that CPO status was active and I didnt have any other issues. The issue at hand is that last Thursday I took my vehicle to XXXX to get its XXXX mile service that is already pre-paid for called XXXX care. XXXX care is completely separate from cpo status. Upon arrival I was informed that my vehicle is not showing a active CPO status. The technician took me to the finance manager ( XXXX ) and he pulled up the deal and he confirmed that I purchased the vehicle as a CPO and that the CPO status should be active from there. He called the used car sales manager ( XXXX ) and ask, did you remember me buying this car as a certified vehicle he said yes, this is the only reason why he bought it was because it was certified so XXXX asks XXXX is it OK if we let them go and figure it out in the XXXX and he said yeah, of course. So the next morning I get a call from the service technician his name is XXXX stating that XXXX the general manager of the dealership said that hes not allowed to service my vehicle and I need to drop the loaner off immediately and pick up my car.. now mind you I bought two cars from this particular dealership and both of my vehicles get service here and the last time I brought my car the status was active. So now Im in complete confusion seeing that Ive never been treated such so I tell XXXX to have XXXX the XXXX call me he never calls me and Monday I get a call from the service manager. His name is XXXX and he tells me that I need to drop his loaner off immediately or hes gon na call the police on me and hes not playing. I asked him to give me some insight on why my car is not reflecting active standing, and he tells me that he does not care about that. All he cares about is loner and drop it off immediately extremely rude. He tells me to take it up with sales now mind you Im not buying a car so I shouldnt have to take it up with sales. This is something that was active a couple months ago and now its not active. Theres some type of air going on, but they did not try to help me fix it whatsoever. They were extremely rude and threaten me with the police and I drop my car off to get serviced and I picked it up still needing to be serviced and the CPO status is still in active
|
| 10/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
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Web |
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Re : Cease and Desist Letter Pursuant to 15 USC Dear Santander I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.
It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.
I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.
I hereby request that you : XXXX. Cease any further use of my signature, personal information, or Social Security XXXX in any contracts, agreements, or transactions.
XXXX. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.
XXXX. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.
4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.
Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.
This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.
I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations.
Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file
|
| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have made a goodwill attempt to have this company clear up this matter. The company has record of me speaking to a representative in XXXX of XXXX and in XXXX of XXXX in order to make payment accommodations. XXXX XXXX defines an accommodation as including an agreement to defer one or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. This company is reporting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. Due to the XXXX forbearance program regulations, it states that no late payments are to be reported to the financial credit bureau during the time of COVIDs forbearance period. I have listed the late payments on my report I am requesting to be removed as I am a victim of XXXX, an XXXX XXXX military spouse and was an essential frontline worker during the XXXX pandemic. The company has failed to comply which is a direct violation of FAIR CREDIT REPORTING ACT section XXXX, XXXX XXXX XXXX ; XXXX CFR part XXXX subpart XXXX : Whenever furnishers provide information to consumer reporting agencies, they have obligations related to the accuracy and integrity of the information they furnish under the FCRA and XXXX XXXX To ensure compliance with these obligations, if furnishers are reporting information to consumer reporting agencies about a credit obligation or account that is current, they should consider all of the trade line information they furnish that reflects a consumers status as current or delinquent. For example, information a furnisher provides about an accounts payment status, scheduled monthly payment, and the amount past due may all need to be updated to accurately reflect that a consumers account is current consistent with the CARES Act. Furnishers are encouraged to ensure they understand the data fields that the consumer reporting agencies to whom they report utilize and which standard data reporting formats may apply.
The company has previously added a special comment code to this account in relation to these payments, however the consumer financial protection bureau has clarified the following : Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements.
I made a final goodwill attempt today, XX/XX/XXXX to resolve this directly with the company, and they have refused.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : REQUEST FOR REMOVAL OF LATE PAYMENT, FCRA VIOLATION, AND CONSIDERATION OF ARBITRATION DEAR SANTANDER, I TRUST THIS LETTER FINDS YOU WELL. I AM WRITING TO ADDRESS A PRESSING MATTER CONCERNING MY ACCOUNT WITH YOUR COMPANY. SPECIFICALLY, IT PERTAINS TO A LATE PAYMENT REPORTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX FOR THE ACCOUNT WITH THE REFERENCE NUMBER XXXX. I WOULD LIKE TO DRAW YOUR ATTENTION TO THE FACT THAT THE LATE PAYMENTS IN QUESTION IS BEING INACCURATELY REPORTED ON MY CREDIT HISTORY. THIS INACCURACY HAS LED TO SIGNIFICANT FINANCIAL HARDSHIP ON MY PART. MOREOVER, IT APPEARS THAT THIS INACCURATE REPORTING MAY BE IN VIOLATION OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WHICH EMPHASIZES THE IMPORTANCE OF ACCURATE AND FAIR CREDIT REPORTING PRACTICES.
GIVEN THIS SITUATION, I KINDLY REQUEST THE FOLLOWING : 1.REMOVAL OF THE INACCURATE LATE PAYMENTS : I RESPECTFULLY REQUEST THAT YOU PROMPTLY CORRECT THE INACCURATE LATE PAYMENTS ENTRY ON MY CREDIT REPORT. THIS CORRECTION IS CRUCIAL TO PREVENT FURTHER DAMAGE TO MY REPUTATION AND FINANCIAL STANDING. IT IS MY BELIEF THAT THIS REQUEST IS REASONABLE, GIVEN THE DETRIMENTAL EFFECTS OF THE INACCURATE REPORTING.
2. ARBITRATION AGREEMENT : WHILE OUR AGREEMENT INCLUDES AN ARBITRATION CLAUSE DETAILING DISPUTE RESOLUTION PROCEDURES, I WISH TO EMPHASIZE THAT ARBITRATION CAN BE A RESOURCE-INTENSIVE AND COSTLY PROCESS, PARTICULARLY FOR THE CREDITOR. IN THE INTEREST OF PRESERVING A POSITIVE BUSINESS RELATIONSHIP AND MINIMIZING UNNECESSARY EXPENDITURES, I HOPE TO RESOLVE THIS MATTER AMICABLY AND AVOID RESORTING TO ARBITRATION.
I GENUINELY HOPE THAT WE CAN REACH A MUTUALLY BENEFICIAL RESOLUTION BY ADDRESSING THIS ISSUE PROMPTLY AND EFFICIENTLY. BY CORRECTING THE INACCURATE REPORTING, WE CAN UPHOLD THE PRINCIPLES OF FAIR CREDIT REPORTING AND AVOID UNDUE FINANCIAL AND LEGAL BURDENS.
I KINDLY REQUEST THAT YOU RESPOND TO THIS LETTER WITHIN 15 DAYS TO CONFIRM YOUR COMMITMENT TO RECTIFYING THE INACCURATE LATE PAYMENT ON MY CREDIT REPORT. YOUR COOPERATION IN THIS MATTER WILL BENEFIT BOTH PARTIES AND ALIGN WITH THE PRINCIPLES OF FAIR AND ACCURATE CREDIT REPORTING.
I PLACE SIGNIFICANT VALUE ON OUR BUSINESS RELATIONSHIP AND THE OPPORTUNITY TO MAINTAIN A POSITIVE CREDIT HISTORY. SHOULD YOU REQUIRE ADDITIONAL INFORMATION OR DOCUMENTATION TO FACILITATE THE RESOLUTION OF THIS MATTER, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX. I APPRECIATE YOUR ATTENTION TO THIS IMPORTANT MATTER AND ANTICIPATE A FAVORABLE RESPONSE.
SINCERELY, XXXX XXXX
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
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Web |
|
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA.
I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting innacuate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
|
| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
SANTANDER IS IN VIOLATION OF THE COMPTROLLER 'S INSTALLMENT LOAN POLICY : On XX/XX/XXXX, Santander Auto CHARGED OFF my auto loan for the XXXX XXXX XXXX that I had with them.
In XX/XX/XXXX, after months of waiting for my insurance to settle 2 accident claims the vehicle was considered totaled and payment from the insurance company and gap company sent the payments for their portion of the vehicle loan.
In XXXX, Santander REBOOKED this SAME previously CHARGED OFF loan, began applying interest, fees, and negative reporting to my credit report again.
IN ACCORDANCE WITH GAAP STANDARDS AND THE FDIC : Re-Booking Charged-Off Loans " When available information confirms that a specific loan or lease, or a portion thereof, is uncollectible, a bank should promptly charge this amount off against the allowance for loan and lease losses. When making a full or partial direct write-down of a loan or lease for the amount that is uncollectible, the bank establishes a new cost basis for the asset. As the bank attempts to recover the loan or lease in a period subsequent to the recording of the direct write-down, the bank may determine that the borrower 's condition has significantly improved or it may obtain additional collateral from the borrower. In some cases when this has occurred, a bank has attempted to reverse the previous write-down and " re-book '' the charged-off loan or lease. Re-booking a charged-off loan is not an acceptable practice under generally accepted accounting principles and, therefore, is not acceptable for Call Report purposes. Consequently, once a new cost basis has been established for a loan or lease through a direct write-down, this cost basis must not be " written up '' at a later date. '' IN ADDITION TO THIS DETAIL : " Pursuant to the Uniform Retail Classification and Account Management Policy guidelines, banks are generally required to charge off certain consumer debt when the debt is 180 days past due. '' FINALLY, AS STATED IN THE COMPTROLLER 'S CREDIT RISK HANDBOOK, ON PAGE XXXX : " Under GAAP, when a bank charges off a loan or lease in part or full, the bank establishes a new cost basis. Once the loans cost basis has been decreased, it can not be increased later. '' Santander charged off my account on XX/XX/XXXX, therefore, they were not supposed to re-open or " re-book '' the loan 4 months later.
I have never paid on my Santander Loan, nor did Santander ever receive any indication that my condition improved period, let alone significantly improved. In fact, it had diminished, as I was no longer employed.
SANTANDER IS NOT COMPLYING with the federal standards.
|
| 03/03/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
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On XX/XX/2023, at about XXXX, my partner had her wallet stolen out of her car in XXXX XXXX XXXX RI, containing her driver 's license and Santander debit card. We are co-owners of a checking and savings account at Santander. At around XXXX, she canceled the Santander debit card. At around XXXX, she filed a police report with the XXXX XXXX police dept.
On XX/XX/XXXX, 2 fraudulent checks totaling {$5000.00} were cashed at a local branch of the bank without our knowledge, using the stolen driver 's license and canceled debit card. The checks bounced on XX/XX/XXXX, and our savings account was debited {$5000.00} ( roughly the total balance ) On XX/XX/XXXX, I discovered the fraud and contacted Santander at XXXX XXXX. They opened a fraud claim and stated they would close the savings account once it was resolved.
On XX/XX/XXXX, my partner called Santander to learn more about the incident and was told they could not provide any other information.
On XX/XX/XXXX, my partner was contacted by the case investigator at Santander, and was told that he had reviewed surveillance video from the branch that cashed the check, and that the video was not of her. He assured her that our money would be refunded.
On XX/XX/XXXX, my partner emailed the investigator to learn what personal information the perpetrator had that allowed them to access our savings, beyond a driver 's license. No response.
Sometime between XX/XX/XXXX and XXXX, my partner called again to learn more about the status of the case and ( again ) what personal information was used to cash the checks. She was told Santander couldn't give any more information.
On XX/XX/XXXX, we received a notice by mail that the investigation was completed, and Santander had decided that " the video confirms that you were present in the branch '' and that they are not at fault ( obviously this is incorrect ) On XX/XX/XXXX, I called Santander 's Fraud department and was told that it should not have been possible for somebody to cash a check using only a stolen drivers license, and that since the debit card was already canceled, it should not have possible for the fraud to have occurred in the first place. " That was somebody falling down on the job. '' When requested basic details about the incidence ( time, branch location, what personal identification was used to cash the checks ), they refused, and said they could not provide us the video evidence they used to make the determination. They provided no other information about the case, and it has remained closed.
Santander to date has not refunded the stolen {$5000.00} to our savings account.
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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To Whom It May Concern, I am writing to inform you of unauthorized inquiries on my credit report that I strongly believe are the result of identity theft. Under 15 U.S. Code 1681c2, specifically, the provision regarding the blocking of information resulting from identity theft, it is stated that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. This blocking should occur not later than 4 business days after the date of receipt by the agency of the request to block the information.
I have identified the following unauthorized hard inquiries on my credit report : XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX SANTANDER CONSUMER USA : XX/XX/XXXX SANTANDER CONSUMER USA : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX/XXXX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hereby request that these unauthorized hard inquiries be removed immediately, in accordance with the aforementioned statute. I understand the gravity of identity theft and its potential consequences on my financial well-being. I have taken all necessary steps to protect my personal information and ensure that this unauthorized access to my credit report is resolved promptly.
Enclosed with this letter, please find a copy of my identification, a copy of my credit report indicating the unauthorized hard inquiries, and any other documentation you may require to process my request in an expedited manner. I kindly request that you confirm in writing when these unauthorized inquiries have been successfully removed from my credit report.
I appreciate your prompt attention to this matter and your assistance in rectifying this situation. Please do not hesitate to contact me if you require any additional information or if there are any further steps I need to take in this process.
Thank you for your cooperation and understanding as I work to resolve this issue.
Sincerely,
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| 09/06/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Account number XXXX This is my second complaint against Santander consumer bank.
Santander stated on their previous letter written XXXX XXXX, that a 1099c can not be filled because a settlement was not made. Santander stated that the account is an open charge off.
Give me the definition of a Charge off?
1. To all of these Santander is fraudulent keeping my identity and is committing tax fraud toward the IRS. Is continuing rubbing me and the IRS.
2. Santander has also kept the financial money from the insurance, this fraud. 15usc1605 speaks about the financial charge, billed into the financial charge is a insurance that protects the lender in a event that obligator default.
3. My consumer report shows that this account its charged off. Its a canceled debt needs to be reported {$0.00} The Irs instructions form Acquisition or abandonment of secured property and cancellation of debt stated everything. Every debt that is canceled and is more than {$600.00} is a cancel debt.
I must remind Santander consumer that they have violated the ucc code to many consumers in the past and they have a class action lawsuit against them, which was filled by the attorney general. They constantly violating consumer rights with no harm and scruples. The auto loan was charge an APR of 20,60 %, but the Texas average XXXX is 7,13 % for new car and 11.39 % for used car.
15usc1681s-2 responsibilities of furnishers of information to consumer reporting agencies. By law your are prohibited to provide inaccurate information.
You have been put on notice to Delete this erroneous charge off from my consumer report.
This is your final opportunity to Cure and delete these account across all 3 consumer report agencies.
If you willfully knowingly or punitive failed to delete this account from consumer report agencies.
You will be fined under title 18, imprisoned for more than 2years or both.
I will be forced to take legal action against your bank institutions, for which I will be also seeking {$1000.00} for violations Defamation of character Negligent non compliance Civil liability Mental anguish You have caused me and my family severe harm due to your negligence an inaccurate reporting.
In addition send me my 1099C and complete the form W9 and the 1099 OID form I will get them to my accountant and the IRS. You have 30 days to send it back. I must remind you its a taxable event.
If I dont get it by the time I will mark it as a refusal and you have to come up with the penalty fee to the IRS XXXX
Enclosed you will have my credit report IRS INSTRUCTIONS Santander letter
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| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear Sir/Madam, I hope this letter finds you well. I am writing to demand the deletion SANTANDER - XXXX for {$8500.00} from my credit report in accordance with the applicable laws and regulations. The purpose of this demand is based on a recent class action lawsuit settlement and the violations of relevant consumer protection laws.
As per the lawsuit ( United states v. Santander Consumer USA inc ), Santander Consumer USA was involved in a class action lawsuit due to alleged violations of the Telephone Consumer Protection Act ( TCPA ) and the Fair Debt Collection Practices Act ( FDCPA ). The lawsuit also accused Santander of breaching its own contracts by imposing improper fees.
The allegations against Santander revolve around its use of " heavy-handed tactics '' in the automotive finance sector, aimed at coercing consumers into paying their loans. These tactics included incessant and harassing calls to the plaintiffs ' phones, which are explicitly prohibited by the TCPA and the FDCPA.
Moreover, Santander 's actions are reported to have violated Article 9 of the Uniform Commercial Code ( UCC ), further underscoring their wrongful conduct. These violations have had a detrimental impact on my credit report, hindering my financial standing and causing severe distress.
I firmly believe that these violations and the subsequent lawsuit settlement warrant the immediate removal of SANTANDER - XXXX for {$8500.00} from my credit report. The negative impact of these entries on my credit history is unfair and unjust, given Santander 's proven wrongful actions.
I hereby request that the Consumer Financial Protection Bureau promptly investigates my case and ensures the deletion of SANTANDER - XXXX for {$8500.00} from all major credit reporting agencies, including but not limited to XXXX , XXXX, and XXXX . I expect that this deletion will take place within the legally mandated timeframe to rectify the harm caused to my creditworthiness.
Please provide me with written confirmation once my account has been removed from my credit report, along with any relevant documentation or proof of the deletion.
Your attention to this matter is greatly appreciated. I trust that the Consumer Financial Protection Bureau will act diligently to protect consumers ' rights and ensure fair and accurate credit reporting practices.
If you require any additional information or documents, please do not hesitate to contact me at XXXX XXXX or XXXX. I look forward to a swift resolution to this matter.
Thank you for your prompt attention to this request.
Sincerely, XXXX XXXX
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| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To whom it may concern, Santander is violating my rights and the Fair Credit Reporting Act in particular 15 USC 1681 s-2 which governs furnishers if information. The law prevents furnishers of information from reporting income which is what Santander is doing in the form of reporting a charge off which they reported bad debt and therefore deducted as income.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income.
The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says Santander is a furnisher of information to a consumer reporting agency.
Santander is PROHIBITED BY LAW to furnish inaccurate information.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate And in addition they are continuing to report my account as late payments as well which is another violation.
After seeing the inaccuracies On or around XXXX XXXX I sent a dispute letter to Santander expecting for my concerns to be taken seriously and corrected as the law specifies. On XXXX I received a form letter back with a blanket denial which one of them stating that I had sent a dispute before, which I had for an unrelated issue. Instead of giving my correspondence the respect that it deserved they systematically denied it.
Santander has been in violation of the Fair Credit Reporting laws numerous times in the past and in fact recently just lost a large judgement for similar behavior which shows a pattern of intent to damage and defraud the public and is not learning from past judgments.
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX E-Mail : XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : RE : request investigation of an authorized inquiry To whom it may concern, I checked my personal credit report which I acquired from your organization on ( ) and noticed that this an authorized inquiry had been made.
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Please remove or I will contact the FCRA. Furthermore, I am allowed under the ( HIPPA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third-party.
I understand that the ( HIPPA ) does allow for limited information about me, but any details may only be reveal with the permission of the participant. Therefore, my request is twofold and as followed : Validation of debt, and HIPPA Authorization. Please provide a breakdown of fees, including any, and all collection cost and medical charges. Please provide a copy of my signature with the provider of service to release my information to you. Immediately cease any credit bureau, reporting until death has been validated by me. I am unaware of this collection. Please validate or remove this account.
Therefore, I must request your help in resolving this matter. In accordance with the fair credit reporting act, I request you immediately initiate an investigation into this inquiry, on my credit report to determine who authorized the inquiry. If once your investigation is complete, you find my allegations to be true please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the listed address above.
If you find my last inquiry above to be valid, I request that you send me a full description of the procedure used in your investigation within 15 days of the completion of your investigation.
Thank you for your assistance.
Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/07/2023 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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The following is a chronicled sequence of what happened between us and the Santander Bank ( the page numbers refer to the page numbers of the attached PDF files we submitted and received from the Santander Bank as evidence ) : 1 ) We were notified a couple of months ago that Santander Bank is going to close our neighborhood branch, and we started to look into our deposit of over $ XXXX with them in XXXX XXXX XXXX Savings and Checking accounts ( Page 1 ).
2 ) After we realized that our over $ XXXX savings at Santander Bank were only earning a monthly interest of less than {$10.00}, we stopped by a Santander branch on XX/XX/, to close the accounts. One branch representative told us that they were offering an interest rate of 4.25 % APY to our type of savings account, but only to new customers, so she is going to request that rate for us in order for us to keep the accounts open, and told us it would take 3-5 business days for the new rate to be in effect ( Page 5 ).
3 ) We followed up at a Santander Bank on XX/XX/XXXX and then on XX/XX/, only to be told that the 4.25 % APY rate was not going to be applied to our accounts. We decided to close the accounts on XX/XX/2023, and the bank representative cut us a close-out bank check without any disclosure ( Page 2 and 3 ).
4 ) When I compared the close-out bank check amount with my XX/XX/2023, statement ( Page 4 ), I realized that Santander Bank did not pay me any interest earned from XX/XX/2023 to XX/XX/2023, which would be paid automatically by any bank we closed out accounts before.
5 ) When we called the Santander Bank customer service about this issue, we were told that they wont pay any interest of our $ XXXX, since our statement cycle is not closed until XX/XX/2023, and we closed the accounts on XX/XX/2023, citing their XXXX Page 7, Section B5, which was not made aware to us when we closed the accounts, and did not sound legal to us in terms of fair customer protection.
6 ) We think Santander Bank is deceiving and disserving customers by two ways : a ) Not paying the nearly whole month of interest on our $ XXXX without disclosing when we closed out the accounts.
b ) Not paying the same interest rate on our $ XXXX deposit for several months while their rate is about 50 times higher for the same type of accounts for new customers.
In summary, we think a ) legally they need to pay us the fair market interest owed to our bank accounts of $ XXXX for XXXX, and b ) Attorney Generals office should be made aware of their deceiving business malpractice toward customers.
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| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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This dealership XXXX XXXX ( located in XXXX, Fl ) is completely dishonest. They will do anything to make a sale or profit. Even if they have to lie to you. Prior to making the purchase on XX/XX/2023, my husband and sat down with their finance guy XXXX and had a chat with him prior to signing anything and prior to making the purchase. I specifically told XXXX that i'm okay with making the purchase in cash but him and the sales guy XXXX continued to convince me to apply for credit with them telling me I need to build credit and so on. I specifically asked him how my credit would be affected if I decided to go ahead with credit. I told XXXX and XXXX that I will not authorize or give my signature for a credit check if it results in more than 2 hard inquiries on my credit report. XXXX then promised me and assured me that it is only going to be 2 inquiries from XXXX XXXX XXXX and it will NEVER be more than 2 inquiries and I have nothing to worry about and that I should go ahead and sign to authorize him to do the credit check. He assured me of this over and over. I then went ahead and signed. I got home and saw 7 inquiries on my credit report. He knowingly lied and mislead me for my signature. I gave him a call and he denied it at first claiming that it's only two inquiries and I then told him that I can very CLEARLY see 7 inquiries on my credit ( from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Santander, XXXX XXXX XXXX ) and only then did he finally admit it, claiming that he made a " mistake ''. A few days later, his manager XXXX explained to me how the credit check process works and it was pretty clear that he knew what he was doing and it wasn't a mistake. He just wanted to do whatever it took for me to get a loan with them so they could profit. After that, their sales manager XXXX claimed he was going to make this right and he was going to help me get the inquiries removed. A month later I told him that the bureaus just want a letter from the dealership detailing the mistake and asking to remove the inquiries and that would be the end of this entire situation. But for some reason, at that point he began to deny their mistake and began refusing to assist with the letter to remove the inquiries, and he was claiming that he thinks i'm recording him. Which is ridiculous. I don't understand why they're so worried about fixing this mistake. Why they're paranoid about being recorded even though I was not recording them. Something very shady is going on with that business. That is clear.
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| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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On XX/XX/XXXX I purchase a new vehicle ( XXXX XXXX XXXX # XXXX ) and financed with Chrysler Capital who turned out to be entier nightmare for my entire Lease and the last 6 months of my Lease, I was given inadequate statements reflecting the wrong amounts which also conflicted with their online platform payment amounts. I called repeatedly and spoke to representatives and supervisors to provide me with the correct amount and was assured every time that it would be corrected and was provided a different amount but that it was the correct amount to be current. But despite me providing the amount that I was given, I was still marked late and I would have to call back the following month to get the issue resolved again or at least I thought. After months of this back and forth I cried to a representative of how this is ruining my credit history and she explained that for some reason the payments were being inputted wrong in their system and was being applied to the interest but not the principal and therefore making me short and then the system would report me late on my payments. I asked if this problem could be reported nad fixed and nothing was ever done and in fact the nightmare would appear the next month. Finally in XXXX the nightmare ended when my Lease was over and I also had to pay close to {$1000.00} to end my Lease but the worst part is that it ruined my credit as they furnished late payments on my credit report and sent it to other consumer reporting companies. It has been years but this still has ruined my credit which was by no fault of mine but of their numerous systemic errors that they knew of these inaccuracies and never made an attempt to fix them. When Chrysler Capital furnished inaccurate negative consumer information to XXXX, XXXX and XXXX it negatively affected my access to credit and purchasing a new home with a competitive interest rate. Chrysler Capital violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by failing to promptly update and correct information it furnished to consumer reporting companies even after all my phone calls and repeated disputes. They continued to furnish inaccurate and incomplete information and to modify or delete information that I continued to dispute. They need to be held accountable for their inaccuracy and integrity of information provided to consumer reporting companies. These FCRA violations also constituted violations of the Consumer Financial Protection Act of 2010 ( CFPA ).
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| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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Hello, I am writing to complain about excessive and unlawful fees being charged for International transactions by XXXXXXXX XXXX. My daughter, son and I traveled to XXXX last week. XXXX already charges an unreasonably high amount for international transaction fees at 4 %, ( I was charged a total of {$99.00} in international fees ), but the transaction that is really the most egregious is when my daughter, who has remained in XXXX for one additional week, withdrew XXXX Euros from a XXXX ATM. She made a point of finding a XXXX ATM, since they are our bank, to try to avoid fees.
On XX/XX/XXXX, My daughter XXXX XXXX, whose Student Value checking account is linked to my own, withdrew XXXX Euros, and was charged {$170.00} in USD.
The exchange rate for Euros is around XXXX, so XXXX Euros should have been worth about {$150.00}.
The phone representative I spoke with yesterday from XXXX told me to call back today since the department that handled foreign transactions was unavailable. I called back today ( XX/XX/XXXX ), and was placed on hold for a while only to be told that that department was not allowed to speak with customers.
I spoke with a supervisor who said that she was charged an exchange rate of XXXX on XX/XX/XXXX, which is excessively high. I realize the rate fluctuates each day, but not that much. We have checked each day, and it has been right around XXXX. That still only brings the total to {$170.00}. I asked where the other {$9.00} came from and they said that was charged by XXXX in XXXX. This is a hidden fee that was never disclosed.
In addition to this they charged her a {$6.00} cash withdrawal fee, and a {$7.00} international transaction fee. If they are charging hidden fees for withdrawals from the bank in XXXX, why are they also charging her an international transaction fee?
All together, she was charged {$34.00} for this transaction, which outrageous. She is still in XXXX, and needs to withdraw more money, but she is a XXXX, and she is worried that she can not afford the excessive fees to use her own money.
I understand that XXXX in the US is different than XXXX in XXXX, but having an international relationship should allow the bank to give their customers more favorable terms, but instead they are taking this opportunity to rip them off with excessively high exchange rates and hidden junk fees. I would appreciate you investigating this matter.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX MA XXXX ( XXXX ) XXXX
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| 03/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I have had car loan with Chrysler Capital since XXXX. As stated on their policy of reporting to the bureau 's every 30 days/end of month, my current active car loan is not reflecting 5 years or payments, or to exist at all. It was actually purposely removed from Chrysler Capital themselves as XXXX let me know reflected on their end. Removed XX/XX/XXXX, not show closed or every owned by myself.
I first contacted them regarding this XXXX of XXXX when I noticed my car had been removed for my credit report, although prior it has always reflected. I was directed to the credit department who said they would send it into the bureau 's again and follow up with me. I did not receive a call back.
I reached out again XXXX of XXXX as I still did not see my car reflect on my credit report. I let them know that no one had followed up with me. I was then told another report was put in and someone would follow up with me. No one did.
I called again XXXX of XXXX and inquired about my car not still not reflecting on my credit report although I was still actively making payments and had been for the past five years. A gentleman said he would submit it to the credit bureau 's for a 3rd time as he was not understanding why it was not reflecting and that he would personally follow up with me that day.
Later on that same day I received a call from this same gentleman letting me know that his supervisor said they could not send it to the bureaus until my 12 day late payment was made. I informed him I was not comfortable continuing to give money to a car that no longer existed on my credit and was almost paid off.
In XXXX of XXXX I had {$16000.00} left on my loan. I made an XXXX payment. Since then, I have made my monthly payments and now as of XX/XX/XXXX have a {$5000.00} remainder on my loan.
I then reached out to all the bureaus to seek more information And was told that chrysler capital in fact removed my car in XXXX of XXXX. They escalated this and also reached out to Chrysler and directed me too. As of today Chrysler has stated they will follow up with me and have given no reason as to why my car was removed and is not reflecting.
I was directed to ask for a summary of payments for the last 5 years which I did receive showing that my loan is still active. I'm still making payments and I have been although. It no history is showing on my credit and chrysler is providing no assistance although they're policy is that they report every 30 days.
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| 11/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This company has violated several of my consumer rights according to the FCRA everything on my consumer report must be 100 % accurate. 15 U.S.C 1681 section 602 A states I have right to privacy I was never provided the pre sell and post sale letter, auction receipt, notice of arm length transaction and right to first refusal I demand these documents be provided with proof it was sent to me also a full breakdown of how all fees were calculated The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report which in fact makes your reporting of this account inaccurate!
By definition the IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.
pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearl
y and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option Please provide documentation I was given these disclosures in any form clear and conspicuously and given the opportunity to opt out
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| 08/18/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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Web |
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MESSAGE TO CONSUMER FINANCE PROTECTION BUREAU XX/XX/2022 From XXXX XXXX XXXX On or about XX/XX/2022, I issued instructions to my bank, XXXX XXXX XXXX XXXXXXXX. at their XXXX XXXX, NC branch at XXXX XXXX, to send a Bank Wire Transfer in the amount of XXXX {$59000.00} to Santander Bank, XXXX. XXXX XXXX XXXX XXXX, branch at XXXX DE, XXXX XXXX, to the credit of XXXX XXXX XXXX, account number XXXX. XXXX XXXX XXXX transmitted this wire transfer on the same day.
On XXXX XXXX Santander Bank contacted XXXX XXXX XXXX to confirm if the wire was legitimate or fraudulent. XXXX XXXX contacted me and on XX/XX/2022, I confirmed to my bank that the Wire Transfer was valid and XXXX XXXX Bank sent a message to the beneficiary bank informing them that the wire was not fraudulent. The next day, I received a phone call from an unknown Vice President of Santander Bank requesting information from me as to the purpose of the wire and again questioning the validity of the Wire Transfer. I reassured him that this wire was for a legitimate business purpose. That same day I received a phone call from my contact that was in contact with an official from XXXX XXXX XXXX informing me that Santander Bank had frozen the bank account of XXXX XXXX XXXX for some unknown reason.
For that reason on XX/XX/2022 I requested my personal banker at XXXX XXXX, XXXX XXXX XXXX, to initiate a recall of these funds, i.e. XXXX, and a fraud recall request was sent to the beneficiary bank the same day. In response to the XXXX XXXX request, Santander Bank requested a Hold Harmless Agreement on XX/XX/2022. The XXXX XXXX XXXX XXXX XXXX Department informed me that the Hold Harmless Agreement was sent to Santander Bank on XXXX XXXX. As of today, nearly 60 days after this Hold Harmless Agreement was sent to Santander Bank, the funds have not been received by XXXX XXXX Bank.
The client, XXXX XXXXXXXX, through my contact, tells me that Santander Bank is telling them that they are returning the {$59000.00} to me. But now over 90 days after this Wire Transfer was sent to Santander Bank, and 60 days after the Hold Harmless Agreement was sent to Santander Bank, the money is still being held for no good reason by Santander Bank.
Please investigate this matter and get a reason for non-return of my money. Neither XXXX XXXX Bank nor Santander Bank is crediting interest on my money that is being held unlawfully by Santander Bank. I want this money returned to me without further del
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| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I am writing to formally file a complaint against Santander Consumer in relation to the retail installment contract associated with my auto loan. It has come to my attention that Santander Consumer failed to provide full disclosure regarding their intentions to convert this contract into security using my signature.
Specifically, Santander took the finance securities collateralized by auto loans, bundled them into pools, and transferred them to a special-purpose entity ( XXXX ), which subsequently transferred the pool to a trust. Payments on the underlying auto loans were pooled in the trust, and these funds were used to pay note investors their due principal and interest, with any excess spread paid to the equity holder.
As a customer, I was not provided with full consideration and full disclosure of these actions, which I believe is a breach of trust and contractual obligations. After discovering this, I properly endorsed the instrument, filed the necessary paperwork, and sent it to their indentured trustee on XX/XX/2023, XXXX. However, Santander has neither processed the security per my instructions nor adjusted the accounting.
Furthermore, Santander has reported late payments to my credit report and threatened repossession, causing undue stress. I have provided them with a Notice of Rescission and Removal of Security Interests, Right to Repo, and Insurance Proceeds on XX/XX/2023 XXXX. This has resulted in the violation of my consumer protection laws in the State of Florida, specifically 501.204 Unlawful Acts and Practices, 501.976 Actionable, Unfair, or Deceptive Acts or Practices, and 1006.14 Harassing, oppressive, or abusive conduct.
In addition, XXXX, XXXX, and XXXX have provided Inaccurate reporting : As per 15 U.S. Code 1681s2 ( A ) ( 1 ), All are prohibited from furnishing any information to a consumer reporting agency if it knows or has reasonable cause to believe that the information is inaccurate. However, XXXX, XXXX, and XXXX have reported inaccurate information in my credit file, resulting in adverse actions against me by lenders. Lack of reasonable procedures : According to 15 U.S. Code 1681e, All must maintain reasonable procedures to avoid violations of the FCRA and limit the furnishing of consumer reports to authorized purposes. However, XXXX, XXXX, and XXXX have failed to maintain such reasonable procedures, leading to inaccuracies in reporting and subsequent harm to my creditworthiness.
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| 03/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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Santander should never have extended financing if I had negative residual income. I trusted my dealer. I was never asked what my monthly debt obligations were or income. I do not work, I am a XXXX XXXX XXXX utilizing the end of my XXXX XXXX XXXX XXXX and it has reached the end. My original intent was to trade my XXXX auto that I bought from that dealer, and use an additional {$7000.00} to {$10000.00} that I saved as a down payment. My credit is extremely low and has a lot of medical bills defaulted with a rating of under 300. When I expressed my concern and worry stating I could only afford {$220.00} per month MAX, the owner of dealership would wave his hand telling me not to worry and I would be leaving his dealership in a brand new car. When I told him I needed to go home and write my check for down payment, he said " just bring it when you can, no rush ''. That didn't sound right. When I told him that I only wanted to pay {$7000.00} down, he said I couldn't do the deal then and wouldn't have a car. He said that since my credit was so very low, I had to use Santander Consumer USA with a MANDATORY service warranty and this weird arbitration clause which I do not understand. When I said I did not want a warranty, it was a brand new car, he told me it is attached to loan and I have to. The sticker price on car was {$34000.00}, my down payment equals {$17000.00} ( {$10000.00} cash/ {$7000.00} trade in and pay off ), 14 % interest rate from Santander 72 months with a total sale price of {$50000.00} (? ) and a lot of verbal chatter about this is a " different '' type of loan and not to worry about it. I called XXXX ( owner of dealership ) on my way home crying telling him I can not afford a {$470.00} per month car payment. I never in my life had a loan payment that high for an automobile. He said it was too late. I left him a voicemail ( night of sale ), called him in morning, sent emails and told him he has to take it back I can not afford it. He said it was " too late ''. I have defaulted since the loan originated in XXXX, XXXX. Santander never even looked at me and noticed I had a negative income? Isn't that by LAW what they were supposed to do according to their agreement from XXXX? My loan is unaffordable and I defaulted every month since I got this loan. They need to forgive this loan. I trusted my dealer too! He knows I'm a XXXX XXXX XXXX trying to get my degree and I do not WORK yet!
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| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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I have had a loan with Santander Consumer USA since XXXX of XXXX, along with the way I have had some job losses that resulted in not being able to pay my bills timely due to unemployment benefits denial and lack of financial support as I am alone as well as pay for everything independently. They recently waived {$200.00} of the late fees as a courtesy in which I am appreciative of, however I am trying to pay this vehicle off as QUICKLY AS POSSIBLE so that when I am in a position to do so I can easily purchase or lease an SUV sometime in XXXX.
The co-borrower on this loan is not in a financial position to assist as we have been estranged for XXXX years due to personal reasons and she is barely making ends meet as she works under the table due to not having a full-time job since XXXX.
I am starting to get back on my feet slowly, I am doing my best to make ends meet as I am picking up odd jobs until I have a full-time position and I am also homeless in which I live in the vehicle.
I was evicted from my home along with my job loss in XXXX, in addition to the job losses from XX/XX/XXXX to XX/XX/XXXX I was in an abusive relationship where I was beat to pulp resulting in me almost XXXX, XXXX on my medications that I pay for out of pocket because I can barely afford due to lack of insurance and can not afford the co-pays for any therapies or medical care.
I also tried to XXXX XXXX to escape the abusive relationship in which my ex-fiance is in jail for XXXX years because he violated his probation as I called the authorities on him after he repeatedly XXXX me resulting in me contracting XXXX XXXX along with having intimate relationships with others in which he contracted XXXX XXXX from doing so.
Prior to all of this, I had a full-time job along with going to school for an education in which I have completed, and I am in the process of applying for the master 's program.
I am trying my best to make ends meet; therefore, I can not afford the {$200.00} amount in late fees in which I explained to Santander that I was terminated with no money coming in and no financial help from anyone as I am estranged from family and friends for personal reasons.
I still want the vehicle, however I am asking that the {$200.00} late fees along with the total balance of the loan be forgiven without having to surrender the vehicle as it is my place of residence due to being homeless since XXXX of XXXX.
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| 11/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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On XX/XX/XXXX my car was repossessed by Santander Consumer USA. I was able to pay off the balance to reinstate my car loan. I continue to have problems making my monthly payments since. I have attempted to refinance my vehicle with Santander but was told that this is NOT an option ( they do not refinance sub prime loans ).
Santander is one of the major players and profit from consumers like myself with subprime loans.
The State of California ( Attorney General - XXXX XXXX filled a complaint in the best interest of THE PEOPLE OF THE STATE OF CALIFORNIA filled on XX/XX/XXXX ( THE PEOPLE OF THE STATE OF CALIFORNIA ( XXXX XXXX XXXX SANTANDER CONSUMER USA INCXXXX ( DEFENDANT ) CASE # XXXX. for violations of the unfair competition Law ( UCL )., Business & Professions Code section 17200 et sew. Santander had violated and CONTINUES to violate to the present day XX/XX/XXXX Californias consumer protection laws by placing borrowers with subprime credit into auto loans it knew and knows carried/carries an unacceptably high probability of default. The court awarded the settlement in favor of THE PEOPLE OF CALIFORNIASantander Consumer USA was fined. The court also ordered that SANTANDER CONSUMER USA change their business practice and stop its UNFAIR LENDING PRACTICES.
My used car loan originated on XX/XX/XXXX. My car was repossessed in XX/XX/XXXX.
During the pandemic ( XXXX ) I had difficulties affording my rent, car loan and cost of living expenses.
I have requested between XXXX day XX/XX/XXXX to work with my situation as I have had XXXX twice and work injury. Due to the pandemic my work hours and salary were decreased not to mention my on the job injury.
While speaking to SANTANDER CONSUMER USA customer service I have made payments on my car loan with added interest fees and having to agree to Santander contract that by accepting an extension of payment the life of my car loan will be prolonged and added interest rates will continue to add up. I am contemplating Bankruptcy because paying a monthly used car loan of {$420.00} XXXX for XXXX XXXX XXXX is extremely high.
Santander consumer USA is still making huge profits at the expense of consumer consumers like myself with sun prime loans. Even after paying the maximum I can afford I am told That this will Not guarantee Repossession of my car so what is the point? Their practices are harming consumers continuously.
Signed, XXXX XXXX
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| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Santander has illegally and effectively excluded myself and countless others from the multistate XXXX XXXX dollar settlement. I know this because there is a whole XXXX group concerning, and based on the filings, the information in the settlement administrators website I should have been included. They never submitted a proof of income to Santander to be sure I could afford the car loan. Which I could not making XXXX dollars an hour working XXXX hours a week. Since XXXX didnt take my check stubs of which I tried to provide, I am eligible. XXXX also coerced me into agreeing to its ancillary products that didnt cover what it should have. I know I had an internal score and I know the loan was in default at the end of XXXX. I have been complaining about Santander since XXXX when I realized they were applying my payments incorrectly. There was a time I was told I could put two months to the back of the loan ONE TIME and I did since the car was in repossession status, but since they knew they were under fire they allowed customers to put two payments to the back of the loan numerous times, failing to inform me that I would be paying interest in the same amount twice, and also that this two months to the back of the loan adds extra money to the principal. When I heard about the settlement I called and tried to enact the arbitration clause, they refused. I then sent a letter of compromise that read I would pay the value of the car at that time just to be done with them in lieu of the settlement. They also refused. Since that time they have reopened the account closed in XXXX eight times, they report late or missed payments, then close it again even though they know that I have told them Im not paying them anymore money due to the settlement. They consistently and illegally report lies to all four credit reporting bureaus to effectively drop my credit score. It never fails. I have reached out to them regarding and provided proof of the consent agreement filed with the courts concerning. They try and repossess the car at all times during the night even though I rightfully own it. I have paid XXXX in interest on a XXXX XXXX from XX/XX/XXXX to XXXX of XXXX. None of my payments went to the principal amount due to their scheme. There were times I couldnt afford to feed my kids from trying to pay for a car that they just kept adding all these fees to the amount already owed.
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| 08/03/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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The leasing company is Chrysler Capital and my lease is about ready to terminate for my XXXX XXXX XXXX.
With about 60 days to go - I made the decision to sell the car to a dealer if the offer I would receive would leave me with equity in the car. I secured an offer for {$38000.00} well above the ~ {$32000.00} I had left in the lease. As I moved through the process, it was required that that we secure a dealer payoff to provide XXXX with information on what needed to be paid off. Chrysler Capital refused to provide a dealer payoff saying- within 61 days of termination - there is not enough time to process all of that. I thought that was not true. They did offer to provide me with a " Customer Payoff '' which outlined what was left on the lease and the sales taxes of {$2000.00} that would have to be paid to close the lease if I was buying it.
XXXX ( and every other dealer I talked to including XXXX ) said they would accept the customer payoff but they would have to pay the sales taxes and deduct it from the equity payout to me. That is not fair because Chrysler Capital said - once they are paid the amount from the dealer - there is no refund of the taxes to me even though a dealer bought the car ( which is a tax free transaction ). Given that receiving my equity for the car is basically an option that expires when the lease terminates or 30 days before - I had no choice but to let Chrysler Capital " hold me up '' for the sales taxes of {$2000.00}.
My ask is that Chrysler Capital refund me the sales tax money because a dealer bought the car - not me. Their policy is not published on any of the statements I get and when do they think people start thinking about lease end ... .six months before? - no 60 days or less. I believe they know that and their beyond 61 day rule for a dealer payoff is a ploy to extract sales taxes as extra profit which should be against the law. Further, Chrysler Capital did reach out to me about lease end options finally in a letter dated 50 days before termination date... so how can do that when one of their options is contingent on a 61 day rule.
Please take action to have my {$2000.00} returned to me. I am attaching my customer payoff letter, the letter I received from Chrysler Capital ( dated XX/XX/XXXX ) and a statement that verifies my acct and termination date...
Thank you for your help in advance.
XXXX XXXX
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| 10/03/2023 |
No |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I recently submitted a credit application to XXXX, XXXX of XXXX, and they forwarded my application to Santander.
I was told that I was only approved for $ XXXX instead of the full amount needed, which was around $ XXXX.
I am aware of the rights that Santander has violated, which are : XXXX. Unauthorized use of my credit card XXXX. Their fiduciary duties to me after receiving my financial asset XXXX. XXXX XXXX XXXX - a creditor shall not refuse to XXXX an individual account to credit were the applicants under any prohibited basis, or the fact that the applicant has a good faith exercise any right under the consumer credit protection act XXXX. XXXX XXXX XXXX scope of prohibition- it is unlawful to discriminate me with respect to any aspect of a credit transaction XXXX. Equal credit opportunity XXXX XXXX XXXX - any creditor who fails to comply with any requirement imposed under the subchapter shall be liable to the agreed applicant for any actual damages XXXX. XXXX XXXX XXXX - criminal liability for willful unknowing violation I made a credit application in good faith, so credit must be issued. I gave both XXXX and Santander, my financial asset and they are not performing their fiduciary duty to me. I received no benefit from this transaction. And it actually caused damages to my credit and mental health, as I really needed this car.
I spoke to many different representatives at Santander, including a supervisor who refused to help me because they were an indirect lender.
I know I cant be denied an extension of my own credit, which is why I know they have to approve me for the full amount of credit that was requested. Not just a part of it because my application was APPROVED. It shouldnt be approved with conditions. They didnt even ask me for my bank statements or tax returns, they just looked at my credit. And I advised that thats discrimination and unlawful pursuant to the laws stated above.
I am also well aware of the federal reserve act section XXXX, and how instruments are used in the federal reserve banks/US treasury XXXX This alone constitutes why XXXX cant be denied credit, because I know my negotiable instrument is to be matched for face value.
If Santander continues to be non compliant with the uniform commercial codes as well as code of federal regulations, I will hold them civilly liable for the damages caused herein.
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| 11/21/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2023 I opened a personal checking account online with Santander Bank.
I sent electronic opening deposit in the amount of {$9000.00} from my XXXX business checking account which posted on the XXXX of XXXX.
I immediately began using my account such as paying rent and other misc. bills.
It was until I went into the Santander Branch located at XXXX XXXX XXXX on the XXXX of XXXX to make a wire in the amount of {$940.00} is when the issues began.
Banker XXXX XXXX asked for ID and wire info which was normal but once he saw the amount that I deposited, he asked me what I did for a living then asked why a company is depositing this money in my account. I immediately was taken back by the intrusive question that was asked without context. I explained to him that this was my business that I owned. He left the room and came back and said he needs to make a copy of my ID in order to complete the wire.
Once he comes back 5 mins later ; he said that he needs paperwork to show proof that I own that company. I started to feel uncomfortable, and asked for him to close my account. he said he can't close my account because Santander doesn't close accounts at the branch only online.
He then but the branch manager, XXXX XXXX on the phone who said that I need to provide proof of my business ownership. I told her that I just want to close the account which they said they cant do at the branch. I then left.
By the time I got home which was only 7 mins because I live in the neighborhood ; y account was locked.
I called XXXX XXXX and she said they will unlock my account only once I send in proof I own the business. I then emailed her with documentation however she disappeared and avoided my calls 2 days later.
On XX/XX/XXXX ; I found out that my bills that were paid were reversed by the bank and that they wanted me to 'replace ' funds that were used on my account before they reverse the initial deposit.
I made a deposit of {$1400.00} on the XXXX of XXXX to resolve this matter however they have not been able to give me any information on when my {$9000.00} will be returned.
I have taped calls and written communication that shows how unfairly I was treated and that they were focused on trying to keep my account opened in order to resolve this. The blockage of funds on my account was out of malicious intent because I wanted to close my account.
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| 09/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I have an XXXX XXXX card that is paid via auto debit from my checking account at XXXX XXXX. On my XXXX XXXX Banking I also have my Santander checking account listed from which I USED TO direct payments from before I setup the auto debit. XXXX has a product called Send & Split with XXXX. I have no idea exactly what this product is nor did I sign up for it but it seems to allow someone to send money to others. On XX/XX/XXXX my online account with XXXX was breached and someone initiated 2 payments to XXXX, {$4000.00} from XXXX and {$4300.00} from Santander. These payments would have satisfied the balance outstanding on my XXXX account. They then tried to send {$2000.00} out from XXXX to some third party. XXXX XXXX team managed to flag the {$2000.00} transaction, phoned me on XX/XX/XXXX at which time I confirmed I did not initiate any of these transactions. XXXX cancelled my existing card and issued a new one that will arrive XX/XX/XXXX. When I directed XXXX to return the {$4000.00} and {$4300.00} to my checking accounts they advised me there's nothing they can do until I receive my new card! But I need the money returned to my checking accounts NOW. My Santander account balance was approximately {$3300.00} so I am now in an overdraft position. When I phoned Santander on XX/XX/XXXX to advise of the fraudulent transaction and ask that it be returned they simply said they can not. What??? I work in banking ... .Yes, the XXXX can simply be returned to the originator! I said to Santander, " if for no other reason, the XXXX should be returned for Non-sufficient funds ''. They stated they don't return anything for NSF. They pay all the items. What?? I've never overdrawn an account nor should I expect a debit to my checking account be honored when I don't have sufficient funds. Santander simply said I can make a " Claim '' and they will investigate. Once their investigation is complete they will then determine whether to credit the money back to my checking account. This investigation can take 45-60 days!! So here I sit, with a negative balance in my Santander checking account that continues to get assessed overdraft charges! My original balance no longer available to me to use for my other bills or to grab cash from the ATM.
Santander should have immediately returned the unauthorized XXXX debit. Santander should immediately make me whole.
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| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/XXXX, I visited XXXX Chrysler XXXX XXXX Dealership in XXXX, TN, located at XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, with the intent of purchasing a XXXX XXXX valued at {$40000.00}. I sought assistance from the sales consultant, XXXX XXXX, who collected pertinent information, including my social security number, to facilitate the financing process. Acting under the guidance of manager XXXX, XXXX XXXX initiated funding applications with multiple lenders on my behalf.
Subsequently, Manager XXXX communicated the outcomes of these financing endeavors. While Chrysler Capital extended approval for the requested amount, they conditioned the approval on a substantial down payment of {$12000.00}. In response, I asserted my rights under the Equal Credit Opportunity Act ( ECOA ), specifically referencing 15 U.S.C 1605, which prohibits mandatory down payments for individuals with " favorable '' credit.
The dealership, however, contended that their internal policies superseded legal mandates, as conveyed by Chrysler Capital Underwriter XXXX. In an attempt to engage in a meaningful discussion with the underwriter, I proposed a conference call facilitated by the dealership, but this request was summarily denied by XXXX XXXX, citing a reluctance to comply regardless of legal stipulations.
Complicating matters, the dealership utilized my social security number without providing any discernible benefit, potentially constituting unauthorized credit card usage under 15 U.S.C 1602 ( p ). Despite my desire for a thorough review with the underwriter, the dealership declined to initiate the necessary communication protocol as outlined by the credit application process.
The denial of credit and subsequent embarrassment inflicted by the dealership 's employees prompted this formal complaint. My singular objective is to secure approval for the purchase of the XXXX XXXX under fair and compliant terms, aligning with ECOA guidelines. I anticipate a resolution that upholds legal standards and affirms my ability to secure financing through Chrysler Capital.
In light of the foregoing, I call upon Chrysler Capital to honor the principles of fair lending and adherence to relevant financial regulations. May this matter be resolved justly, ensuring that the acquisition of the XXXX XXXX is conducted in accordance with established legal frameworks.
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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12 U.S.C. 5531 - U.S. Code - Unannotated Title 12. Banks and Banking 5531. Prohibiting unfair, deceptive, or abusive acts or practices 2018-BCFP-0008 Document 1 Filed XX/XX/2018 Account : XXXX I, XXXX XXXX XXXX, have been in constant communications with multiple representatives of Santander Consumers USA, each and every one of them, have a different misleading story.
Santander Consumers USA, Sent me a Notification Letter saying there's a refund for unearned Gap Insurance without a check for the amount of {$570.00}, this is deceptive and misleading a settlement Letter to the Affected Consumer.
Santander Consumers USA, representative told me to send a email to unclaimed property department and that will take about 20-30 weeks to respond after the Consent Order comes to an end.
Santander Consumers USA, has deceitfully attempted to mislead and unfair abusive practice. Affected Consumer, Santander Consumers USA, is in Violation of the Consent Order ; l. Respondent means Santander Consumer USA Inc., including when doing business as XXXX XXXX or XXXX, and its successors and assigns.
m. XXXX XXXX means the optional financial product that Respondent offered to consumers in connection with auto loans, which purported to fill the gap between the primary insurance payout and the outstanding amount of the auto loan in the event that the vehicle is a total loss, and any similar guaranteed-asset-protection product offered by Respondent under any name.
9. Respondent also used the following language to market XXXX XXXX : Your auto insurance may be inadequate to protect you financially in case of a total loss through accident or theft. If your loan balance is greater than the current cash value of your car, GAP ( Guaranteed Asset Protection ) can be a great way to protect you. Your insurance payout could end here. GAP takes care of the rest d. Describe the processes for issuing, delivering, and tracking payments to all Affected Consumers, including processes for handling any unclaimed funds ; j. Include the form of the letter ( Notification Letter ) to be sent notifying Affected Consumers of the restitution, which must include language explaining the manner in which the amount of restitution was calculated and a statement that the provision of the payment or statement credit is in accordance with the terms of this Consent Order ;
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| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Billing problem
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Web |
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I have contacted Chrysler Capital many times to extend my lease and faxed the documents required to extend the lease many times. Finally the lease paperwork was processed. I continued to make my payments. Chrysler sent no statements for months while I continued to make monthly payments. After many calls back and forth getting bumped to different departments I was told that the payments I made that are not reflected by Chrysler were received by Chrysler but returned to me. I explained that my bank statements do not reflect any credits from the company so they kept my payments but never applied them to my account. I then faxed them the company created statements and my statements which show that I in fact overpaid them. I spoke with a very professional and nice woman in accounting who was the only person to assist in any way who said that she can see no refunds were paid to me nor payments returned to me and that I overpaid by {$65.00} in total ( my math had me {$55.00} overpaying ). They asked me to again fax the statements which I did with detailed notes and I was told that my credit report would be fixed by the " XXXX XXXX XXXX '' ( If this is platinum I would hate to see what gold, silver and bronze service is ). I have never been so frustrated in my life and now my credit report that I have worked XXXX plus years on to never have a late payment is marked late in error which costs me monthly in my new leases. I would like my $ XXXX {$65.00} back and for my credit report to be updated to reflect my payments never being 30 days late. I will never do business with Chrysler again nor will I ever buy or drive a product that they produce. This is shameful and unfair to the loyal customer who made all payments per my obligation including the payment of my fee to return the car through my new lease. I have sent no less than XXXX hours trying to fix an error that Chrysler created after spending XXXX of dollars on faxes to first extend the lease and correct the billing errors they have not fixed but promise too. I have never files a complaint in my life about any company or service but until this matter is resolved I will engage every person that mentions buying or leasing a Chrysler product until the end of time. I can provide statements as well to prove the payments have been made and not allocated to my account.
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| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
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Web |
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Regarding Santander Mortgage Loan # XXXX Issue 1 : Santander has discontinued/stopped reporting all loan payments to the three credit bureaus, XXXX, XXXX, and XXXX effective XX/XX/XXXX to current date under the primary borrower/payor XXXX XXXX XXXX XXXX XXXX myself ) .
On or about XX/XX/XXXX, this mortgage has been sent to the Bankruptcy department of Santander due to the co-borrower, XXXX XXXX XXXX XXXX having included this in his bankruptcy filing. I, the primary borrower, am not and have never been in bankruptcy and have been the sole payer of the mortgage since our divorce in XX/XX/XXXX.
XXXX XXXX XXXX XXXX has not resided or paid the loan on the property of the Mortgage since XX/XX/XXXX. Outside of being the original borrower in XXXX, XXXX XXXX XXXX XXXX has nothing to do with this account.
I am filing this complaint to enforce Santander to re-instate the Mortgage reporting of timely monthly payments dating back to XX/XX/XXXX to current and beyond for the life of the mortgage for credit reports of XXXX XXXX XXXX XXXX at XXXX, XXXX, and XXXX.
Issue 2 : Santander has stopped issuing monthly paper statements via mail or any electronic format for access to XXXX XXXX XXXX XXXX. I also have been shut-down from being able to log-in to access my Santander mortgage for viewing the account, making payment, or any e-banking function otherwise. I emailed a Letter of Request for Reaffirmation/Reinstatement dated XXXX. In this letter I requested Santander to correct/update the credit bureau reporting , allow me to have statements, and to regain online access to the account.
On XX/XX/XXXX I received an email from the research department of Santander stating that since relief was granted ( I have no idea what that means, again ... I am not in bankruptcy nor have ever, so I don't understand terms ) That since relief was granted, Santander is unable to remove the internet stop on this account. As such, the online payment option will not be available to me.
I am filing this complaint to state that I feel my consumer rights are being violated by the refusal to access my own account by both a block on my account to access via online and by discontinuance of paper statements. Additionally Santander should be reporting to the credit bureaus.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Ph. XXXX
|
| 10/03/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Im regards to payment : all commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money, by the statutes such as 12 USC 1813 ( l ) ( 1 ), UCC 1-201 ( 24 ), 3-104, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) ( B ), ( 49 ), ( 64 ). These statutes define a promissory note or security to be negotiable ( sellable ) because it is a financial asset. This is necessary because contracts requiring lawful money are illegal pursuant to Title 31 USC 5118 ( d ) ( 2 ). All debts today are discharged by promises to pay in the future. All Federal Reserve notes are registered securities and promises to pay in the future. They are secured by liens on promissory notes of collateral owned by real people. The statutes do not provide the Federal Reserve Corporation a monopoly on promissory notes, as debt collectors insist. Real people create promissory notes that are usually sold to the FED in exchange for their promissory notes. The FED uses the promises of the peoples collateral to secure their notes. If people want their, commercial instruments to be legal tender, they must be secured by a maritime lien on your prepaid trust account recorded at the county and registered on a UCC1. It then becomes a registered security and a financial asset that can be negotiated.
Im regards to the contract : The Fair Debt Collection Practices Act 15 U.S.C. 1601, 1692, 1693, provides remedies for deceptive or unconscionable contracts and allows payment in any legal tender. The contract was deceptive and unconscionable if the actual debt was zero.
I would also like to add CFPB vs. Santander which my contract is the very same reason Santander was sued. In 2020, Santander reported my car loan as paid off due to a disaster. I believe my loan was reported as such because of this lawsuit. I also asked for specific documents that Santander has refused to provide. They have also not included the wet ink signatures between myself and Santander.
I asked for the following : They will show that the corporation has an offsetting liability to the debtor pursuant to FAS 95, GAAP and Thrift Finance Reports ( TFR ). These records include : 1.
FR 2046 balance sheet, 2.
1099-OID report, 3.
S-3/A registration statement, 4.
424-B5 prospectus and 5.
RC-S & RC-B Call Schedules
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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I received a text from Santander that stated the following : 'This is Santander Consumer : We may have a program available that could reduce your monthly payment by 25 %. Please call us at XXXX to see if you qualify. ' I contacted Santander at XXXX and spoke to XXXX ( ID # : XXXX ) who repeatedly threatened me with repossession of my vehicle. I repeatedly asked about the 25 % payment reduction program and was never told details, payment date requirements, nor what I needed to do specifically. I believe repossession was repeated to me at least 4 times which was what i intended to prevent by calling to make payment rearrangements. As the call was not progressing I asked to speak to a manager and was told none were available. I asked if a supervisor was able to call me back and was told that was not possible. I was then put on hold and then hung up on. XXXX also stated that he can not provide a corporate address to me.
I am a single father who is impacted by Covid-19/Pandemic. My income has been reduced by approximately 40 %. We are living under the threat of eviction and I have been paying my rent plus an additional amount to my landlord as a result. I contacted Santander Consumer USA Inc in response to their reaching out to me via text regarding the 25 % payment reduction program which would allow me to resume payments.
I was never given ample opportunity to discuss the program in detail, or to apply for the program. The representative ( XXXX XXXX appeared to be driven to obtain a payment as a performance metric primarily. This caused me and my humanity to be pushed aside in effort to oblige Santander Consumer USA Inc collection directives. I was told by representative 'XXXX XXXX on XX/XX/23 this morning that representative XXXX ' noted that I did not qualify for the program due to 'Insufficient Income ' and 'No Next Payment Date ' ; none of which was communicated to me nor discussed fully. The tools provided to the representative 'XXXX XXXX, were NOT used to the extent of rendering the proper help/assistance available, for a ( an ) unknown reason ( s ).
I also spoke to Executive office representative, XXXX XXXX, ID # : XXXX, on XX/XX/23 at approximately XXXX XXXX who also confirmed that my 'ineligibility ' is noted falsely and in error as what was noted was not discussed with me.
|
| 02/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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Web |
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I have a joint checking account with my spouse at Santander bank. On XX/XX/XXXX I deposited a check made out to me for {$1500.00}. This deposit cleared and finalized on XX/XX/XXXX, and I have both a confirmation number and an image of the check ( Which had been processed on the mobile app. ) On XX/XX/XXXX I contacted Santander Bank to make sure that deposit had cleared and I was assured that it had. Several hours later however, on XX/XX/XXXX, my account balance showed a large overdraft in the amount of that check. When I contacted Santander bank, they told me that my deposit had been flagged for an extra hold time and would not be released for another week. They were not able to give me a reason why this had happened. The check was not for an amount larger than I would usually deposit, The check had already cleared with the originating bank XXXX XXXX XXXX XXXXXXXX ) and the money was already being held by Santander. Again, I regularly deposit checks of this amount into this account, which I have held for 12 years with this bank, and I have received numerous checks in similar amounts from the same account that this one originated from. ( the money was a gift from my parents. ) None of the customer service people from Santander bank were able to tell me why this hold had been placed. Because of this unexpected delay of a week in processing my deposit, I am incurring a number of fees, including overdraft fees, and late rent payment fees. Most importantly, I only discovered this hold by chance when I saw the large overdraft on my account, and it took a long time on the phone with several people in order to find out what had actually happened. It is my understanding that a bank can put an extra hold on funds if it determines that it might be necessary. However, it is also my understanding that a bank needs to notify the account holder that this is happening, and this was not done in my case. Nobody notified me of anything, this hold is still not listed in my account activity, and I would not have found out about it if I had not called. I am making a complaint seeking to recover the amount of money lost in various fees, due to the fact that I was not informed that there would be a hold on this deposit, and was, in fact, told the opposite, that the deposit had already cleared.
|
| 11/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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My late mother, XXXX XXXX financed a vehicle through Santander several years ago. She unexpectedly died in XXXX of XXXX. I immediately contacted the company above and told them that she was in the hospital since XXXX of XXXX and was unable to make decisions or speak properly due to the medications they had her on for a XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX I attempted to advise the above that I have power of attorney over her and attempted to make a payment on her car, which did not go through because when she died, probate kicked in and XXXX XXXX XXXX immediately locked/seized all assets. I wrote them a letter advising them that I could not access any funds until probate was filed in XXXX XXXX court and that I would be interested in them taking the vehicle since I could not handle it until the judge made his ruling. We still have not been able to file her probate and are about to. The vehicle sat at my property this entire time and nobody tried to come get it politely. On XX/XX/XXXX my grandmother borrowed the vehicle to move belongings from her storage and drove it to XXXX Tx where she went into a XXXX for XXXX mins, tops ( this was confirmed by a XXXX XXXX XXXX Sheriff ). The sheriff advised her that the vehicle was towed away/repossessed. When I tried to call Santander, the staff was very rude and adamantly refused to speak to me because I was " not the account holder ''. I would have been happy to provide legal documents, death certificate, etc. They left my XXXX XXXX XXXX XXXX grandmother stranded out of town and one agent told me I could speak to the estate department, the last one that I ended up having to get nasty with was the one who refused to speak to me. I feel that this is an illegal repossession, as they took belongings that I needed from the vehicle *XXXX XXXX XXXX XXXX XXXX XXXX XXXX* and refuse to tell me how or where I can get my family heirlooms and medication out of the vehicle. They completely stonewalled me and disregarded the probate law by illegally sending out stalkers/PI/spotters to stalk my grandmother out of town. I will be looking into legal action against this unscrupulous company. Please fine/close them down so that they do not target other families that have lost a relative that mistakenly financed through these crooks!
|
| 07/09/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Hello, my name is XXXX XXXX and I am a victim of check fraud. I seen a post someone put on XXXX about a job for XXXX an hour data entry online am I was so excited to get off government help and start working I was oblivious to the signs. Fast forward she send me a check through email and says for me to print it out and mobile deposit it, send back XXXX and keep XXXX so I do but before I do I check with my bank to make sure the check is real. I call the on XX/XX/2023 at or around XXXX they assured me that if the check deposited and completed that Im okay and my bank wont be negative well he lied to me it take me about 7 days to fully go over a check and see if its fake or not when our economy has evolved and technology SHOULD be able to detect that as soon as I deposited it but it didnt now Im negative XXXX in my bank account. I got the messages and everything of the transactions I feel like Im being treated like a felon, like this was my fault and it wasnt because if XXXX XXXX wouldve told me to wait to see if its real educated there customers on fraud I promise I wouldnt be in this situation Monday comes and I call, show them the text messages and they put my account on hold until I can pay those funds. My thing is if I AND the bank was educated on how checks process and fraud works I promise I never wouldve sent that money to them, never mind that even deposited it in the first place. I start looking online about check fraud and find out if you print it out its fake and if I wouldve known that information I wouldnt be in this mess. Im distraught, I thought I was getting a job and I get scammed on top of that Im being treated as if its my fault because I deposited a second check but I deposited that check on sunday around XXXX XXXX before they overdrawn my account on Monday to XXXX and even though I was suspicious and took my money out in the back of my head I was like well the bank told me it was real and Im okay so Im going to deposit it when I looke it up and it says checks drawn on a Santander account XXXX is available the next business day and all other checks have to wait 6 days and my check wasnt a Santander check. If I misunderstood that Im sorry but if you can help me Ill really appreciate it Im going to everybody I can before I take it to the authorities.
|
| 06/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
|
|
XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX PA, XXXX Social Security # XXXX DOB : XX/XX/1990 Account XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that there are no references to you making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly, as well as the immediate rescission of contract due to noncompliance of federal regulation & the right of the consumer to rescind the contract under these circumstances. Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines.
Sincerely, XXXX XXXX XXXX.
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am a Consumer/Natural Person. vou SANTANDER CONSUMER USA INC. are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC 1692a ( 6 ). It has come to my attention and understanding that, has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPAJ.
Pursuant to Title 15 USC 1692c ( c ), I signed a contract financing a used XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, located XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX on XX/XX/XXXX XXXX Salesman name reads House Sales Rep, Mileage reads XXXX, Serial Number XXXX, stock number XXXX, XXXX Number reads XXXX. I was over charged the financed vehicle and was not informed of my right to rescission. As the primary consumer, in order to move on with processing the purchase of the vehicle I required a co-signer with a down payment that met dealerships requirements in order to drive off the lot, which I provided.
On the contract given to me, such expenses reads, Finance Contract {$24000.00}, Used Vehicle {$31000.00}, Ext. Warranty N/A, Sales Tax {$2800.00}, Dealers Optional Fee For Processing Application For Registration Ration And/Or Certificate Of Title, And For Securing Special Or Distinctive Plates ( If Applicable ). This Is Not A DMV Fee {$75.00} {$75.00}, Plate Fee {$270.00}, Inspection Fee {$37.00}, XXXX Required Tire Recycling Fee ( {$2.00} Per Tire ) N/A, Total Cash Price {$34000.00}, Deposit N/A, Cash On Delivery {$2000.00}, Customer Rebates N/A, Trade N/A, Pay Off Owned N/A, Total XXXX. I gave a down payment of {$2000.00} cash to cover Downpayment To XXXX XXXX XXXX and my Sales receipt titles XXXX XXXX XXXX.
I also made monthly payments and my vehicle was repossessed on XX/XX/XXXX and sold for {$22000.00}. Santander consumer is currently billing for {$22000.00}, which is the remaining balance of the sold vehicle with no warnings prior to date repossessed.
I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692c ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for consumer, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am invoking specified remedy as the original creditor and demand the following.
|
| 09/29/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX my consumer Rights are being taken advantage of by these debt collectors, Santander Consumer USA and XXXX XXXX XXXX XXXX for committing identity theft with my name.Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the the initial disclosure, to direct that such information not be disclosed to third party under 15 USC 6802 ( B ) 1c. With that said brings up yet again another violation under 15 USC 6802 ( B ) 1c, were i wasn't explained or shown clearly how to exercise my rights as a consumer to that nondisclosure from a consumer credit transaction between me and santander, to opt out of furnishing information to non affiliated third parties.Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by XXXX XXXX who now says i owe them a debt which on XX/XX/2022 i requested validation and have not received up until now but they are communicating to me via consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX and XXXX on XX/XX/2022 about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and i am demanding that all illegal activities of debt collection cease and desist immediately from XXXX XXXX services and all other third parties involved. If i don't find remedy to cure these violations of my right to privacy under federal law, i will have no choice but to file a lawsuits which i will be looking for actual damages caused from these companies unfair practices. XXXX XXXX XXXX XXXX and all other third parties involved to be criminally liable and persecuted for aggravated identity theft pursuant 18 USC 1028A, extortion mail fraud and theft by deception. Please note that i went through all channels to get this problem solved and i am giving formal notice that i intent litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.
|
| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
Chrysler Capital approved me for a {$48000.00} auto loan. After luring me in with the high approval amount, Chrysler Capital collected my information and sold/shared it with third parties such as Santander without my written consent.
They later decreased my loan amount by almost {$20000.00}. They now had my information, and I had less than XXXX grand to spend on a vehicle.
Things got dramatically worse after the underwriter later determined that I would now be required to pay them a {$1000.00} cash down payment in order to be approved for the auto loan. On XX/XX/XXXX at approximately XXXX an alleged underwriter at Santander/Chrysler Capital told me in plain words that the {$1000.00} cash down payment is not required for all customers, but I do - This is discrimination and a violation of federal law.
- 15 U.S. Code 1662 - Advertising of downpayments & installments No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state ( 1 ) that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.
( Pub. L. 90-321, title I, 5142, May 29, 1968, 82 Stat. 158. ) - 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is about XXXX XXXX XXXX entered with Santander dated XX/XX/2015 and I extended your organization the credit for the account no. XXXX I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.
According to 15 USC 1602 ( k ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ).
Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices.
From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).
According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit.
I hereby request you to do the below-mentioned things ; Delete the account and have it updated on my report through all three credit reporting agencies ( XXXX, XXXX, and XXXX ) If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 10/22/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I unfortunately was the victim of an IRS scam. I received this letter in my mail in XXXX stating I owed the government {$240.00}. Knowing I actually do owe the IRS money, I signed a physical check and sent it in the mail. The next month ( XXXX ) I received another letter stating that I owed {$380.00}. Subsequently realized I needed to check my IRS account and put it together that I was scammed. I contacted my bank Santander and told the representative what had happened. I found out that the scammers had cashed the physical check I sent them as an electronic check which apparently threw up red flags from my bank. I was awarded a provisional credit and was told to keep that bank account open so the money could be deposited back into my possession. There was supposed to be a block put on the account that only allowed deposits into the account and no withdrawals. By the time that investigation was over ( XXXX business days ), the moment my money hit the account again, somehow the scammers were able to forgo the withdrawal block on my account and take the freshly deposited provisional credit out of my account. Speaking to Santander representatives again, I was told the only way that this couldve happened was if I verbally told an employee to force withdraw this money. Which I did not. So another investigation was opened by my bank. It was determined by the bank that the second investigation/instance of my money being stolen that nothing was going to be done. Their reasoning was that I had signed the physical check and by that instance I was at fault. However, this was already discussed during the first round of investigation into this matter when the provisional credit was approved to my account. The only reason that the scammers were able to take the provisional credit is due to a faulty security block that the bank assured me would protect me from this happening again. I have record of the second letter and that second letter was submitted by my local bank as evidence into the investigation. Despite Santander stating that there was no documents submitted. My liability for this matter ended as soon as the bank approved me for a provisional credit and the banks liability in this matter began when they gave me a faulty security block on my account.
|
| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Good Day, I am having an issue with a bank that involves an auto loan with Santander Consumer USA. I submitted a complaint with The Attorney Generals office and XXXX in regards to this company. Billing me for my auto loan in which the bills were paid by the cut off date of the XXXX of each month. However, what the company say I was billed for was not applied to my account. Which prompted me to initiate a complaint as mentioned. I was billed for late fee which in fact I was not late. Some of the late fees were waived and or credited however there have been payments that were made and not credited to my auto loan. I asked for an extension for the payment for the month of XXXX. I was told that I could not be assisted because I filed a complaint with The attorney Generals office, not for no other reason explained from the XXXX office of this company per the representative on XXXX the XXXX XXXX. I was told that I needed to fax in a letter stating I am no longer in litigation which I am not but I needed to accept their terms to be assisted with The extension. I need to know where exactly should this new complaint be filed.
Respectfully, XXXX XXXX XXXX XXXX as of today I was told I could not get an extension due to not paying XXXX consecutive payments. My. Account was current when I requested the extension back in XXXX for XXXX. I was told I needed to fax in a letter stating that I was no longer in litigation to get assistance. I have not received any responses via email after repeated request nor via postal mail.
It appears that I was discriminated against because I filed a complaint about wrong doings and faulty practices of Santander Consumer USA.
My issues with my auto loan The loan was established in XX/XX/XXXX for a XXXX XXXX XXXX for {$27000.00}. My loan balance is still {$25000.00} with monthly payments of {$710.00} with 1 or 2 payments deferred. I believe that I am a victim of abusive loan terms on borrowers, including high-interest rates, high fees, A targeted vulnerable individual with poor credit, low income when the loan was established Discriminatory / PREDATORY lending practices were used. I have paid over {$15000.00} on car payments thus far. My balance does not reflect hardly any of those monies. Its a issue at this point.
|
| 02/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
My car was impounded when my brother was leaving for work. Santander confirmed on XXXX that they had repossessed the vehicle. They confirmed that they had not tried to call or notify me since XXXX. They spoke with my mother, not me. A letter was received on XX/XX/13. It was taped on my door from another resident. The letter stated we could call and ask in writing for a statement including fees. Several different reps said thats not how it works. I was told XXXX amount on XXXX day, then a different amount the next. It is all written down. I was also given XXXX different account numbers. We had secured financing from another bank to reclaim the vehicle. When XXXX contacted Santander about paying off the loan, Santander said they would not take the check. Nowhere on my document or in writing did we get verification of how funds needed to be sent. Santander would not provide in writing the amount owed or how it was to be paid. They changed the password on my account with someone other than me. Also sent a copy of the title to someone other than me. I asked for an extension, XXXX rep told me that its too late. Accused me of just getting started with the process.Told me I should have started a long time ago. She refused to help in any way.
I did finally get an extension, but Santander would still not provide me documents detailing the exact amount owed. They stated thats not how it works.
They talked to another unauthorized party on XXXX in the morning. They then talked to XXXX XXXX without my authorization on day XXXX, which was the last day we could secure the loan. They told XXXX that they would not accept the check. I no longer have access to my account online. The recording tells me {$800.00} is due.
The company to retrieve my items goes to voicemail. I explained that to the rep, she denied that. On XXXX collected {$410.00} from me plus XXXX for a random fee that was never mentioned before. This was after they had already talked to XXXX. I authorized XXXX to speak about my account later that afternoon.
We went into XXXX on XXXX and that is when I was told Santander wouldnt accept the check. They would only give us a 15 day payoff in writing.
My mom used this vehicle for work. Due to Santanders lack of cooperation, she was let go.
|
| 06/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
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Web |
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I was living in XXXX, Colorado from XX/XX/XXXX to XX/XX/XXXX. Sometime after moving there I had my car broken into and my passport stolen. Sometime after that my identity was used to open several account for various things. I was sent multiple bills for around {$1000.00} to {$4000.00} that I have had to dispute and a new one I am currently disputing right now. I have also been a victim of a car loan from a company called Santander XXXX. After disputing the smaller charges with phone companies, I was left with the Car Loan of {$14000.00} half of which was paid for. Thus, leaving {$7500.00} worth of debt unpaid. This was already on my collections by the timeI realized this and it tanked my credit score. I couldnt get approved on an apartment in XXXX I wanted and realized I should move back to texas. I literally had to move back home because of this identity theft. I then contacted the company thinking everything would go smoothly but that was far from the case. Around XX/XX/XXXX I contacted Santander regarding the identity theft and they told me to print out and sign a fraud packet. I submitted the fraud packet by mail like they had asked with all the correct info only to be told a later they do not receive physical mail anymore due to covid. I was very frustrated as these were the directions on the packet. They then told me to email the documents. After emailing the documents I waited a month for being told that they were unable to approve the fraud packet. I called the company and they told me the issue was that the file type was not correct. After that I was extremely furious as they could have mentioned this sooner. I made sure the file type was correct, I sent the documentation to multiple of the emails they provided and made sure they received everything. Another month after that I received an additional letter denying their " approval '' of my fraud claim. I have {$7500.00} worth of debt on my collections that isnt mine and is destroying my credit. I would like to one day buy a car and a home and this is causing me immense stress and anxiety. I had to relocate because of this. I don't know what else to do because this company is not making it easy when all the phone companies approved my fraud claim instantly. Please help.
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| 03/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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For 6 months in XXXX I took advantage of the deferred payment program chrysler financial offered during XXXXIn the fall of XXXX a woman from Chrysler financial gave me misinformation and told me my account was current even though online the bill showed a large amount due. She told me to make my regular payment and she told me what date to start it on. I paid as per her instructions. Continued making the instructed payment as per Chrysler employee even though the total amount due online was suggesting different amounts. Months later I saw a late payment on my credit report.
So I filed a case XX/XX/XXXX. XXXX XXXX and XXXX XXXX confirmed on XX/XX/XXXX that the error was Chryslers fault and not mine and they confirmed they would contact all 3 credit bureaus and make sure the late payment was removed. They confirmed the employee gave me inaccurate information and the online billing showing odd amount due was because of the deferred payment program and many people are Chrylser were confused by it.
XX/XX/XXXX late payment again for the SAME reason. Because deferred payment the amount due shown online was out of XXXX. It would show due {$1200.00} instead of the {$390.00} a month. So I called and the gentlemen told me what to pay and I paid it.
He told me to pay a certain amount and there would be no late payments. He said again, because of the deferred payment program that the online amount due is not accurate. I did what he instructed and a couple months later I was given another late payment!
I filed complaint and on XX/XX/XXXX chrysler reviewed the call and manager said recordings did not show that chrysler caller made a mistake. Even though it was exactly the same Mistake twice. I would like to listen to this call I always paid all my bills on time for 30 years. My history shows that. Even with jeep I paid all payments on time before and after this glitch in their accounting. I think the company had never dealt with the deferred payment for covid and their systems got mixed up. I took advantage of the XXXX 6 month deferral Program and that was my right, I shouldnt be penalized for their accounting error. They set a precedent by admitting to the first error so they need to admit to the second error as it was the same.
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| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX, recently they edited a payment history on my credit report to show XX/XX/2021 as XXXX days late, when previously it showed XX/XX/2021 as current. They did this to fit in with the lies being told. Due to covid my family was super sick and had a XXXX repossession. They are claiming it was XXXX days late on the XXXX repossession, but it was not. They said after XXXX days they can list it as a charge off even though they gave me my car back. This was never disclosed to me nor was it in my contract. It took XXXX years for me to finally be told this information. They have ruined my credit due to grossly reporting in accurate info. I have paid on time for XXXX years, but they wont report XXXX single month as currentt. They said they decrease balance every so often, but Im not so sure its decreased correctly. I have disputed so many times but theyve found a loop hole and are using it to their full advantage. How can they report a CO, and also closed account on my other credit report when Ive been paying on time for going on XXXX years. This is a gross misinterpretation of the truth. It is destroying my families life! Recently they went in and edited the XX/XX/2021 payment status as I said above to 30 days past due when previously showed current bcs it was. They said it was XXXX days past due for XXXX, XXXX, XXXX, XXXX but I made a payment in XXXX. They are editing information to help continue the shady business practices. They are destroying my life! My score dropped XXXX points after the reason edit. Please help me. The XXXX is involved now also, and have been communicating to Santander XXXX. They have the legal terms down to a science and know exactly how to word everything. XXXX going to sue the XXXX, XXXX and everyone involved for defamation. This is a lie!!! Im paying on time every month but all it shows is XXXX How do I know they wont steal my car even?? It was over {$12000.00}. And now over {$3000.00}. Im afraid at this point. I hope I can attach documents to show you what theyve done to my credit report. Thank you for your help. Pls dont Let them get away with this huge injustice. Im a XXXX XXXX of XXXX. I wont stop fighting this until its fixed to show accurately or removed completely.
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| 06/06/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX, XXXX XXXX TX XXXX Dear, SANTANDER CONSUMER USA I agree to pay the following financial obligation regarding account number XXXX in which I might lawfully owe, on one condition : Within fifteen ( 15 ) days of the date of this Conditional Acceptance sent you deliver to me the following : Provide validation of the debt, that is, production of account and the general ledger statement. Verification of your claim against XXXX XXXX, that is, a signed Invoice.
A copy of the Contract binding both SANTANDER CONSUMER USA AND XXXX XXXX and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' A statement admitting whether you are the holder in due course or whether you are a servicer.
A statement admitting whether you have sold my note in a pooling and servicing agreement. This is also known as securitization. SANTANDER CONSUMER USA is to also provide the identity of the true holder in due course for my loan. If the loan has been securitized, the name of the REMIC my loan was sold to.
The CUSIP number under which my loan was securitized to.
Make available for visual inspection my original wet ink promissory note ( not a photocopy ).
Please provide the above and If you are unable to provide this proof as I have requested within 30 days, then you admit to not being a party of interest and can not rightfully enforce your eviction claim under U.C.C. - ARTICLE 3 3-301.
Under US Code TITLE 15 > CHAPTER 41 > SUBCHAPTER V > 1692g part b ), this debt is now officially in dispute. By law, all collection activities must cease until this matter is resolved. You are hereby given notice. Blatant disregard for this law is subject to fines by the FTC. You are advised to consult legal counsel on this matter.
In the event that this debt is not validated by you, as required by the Fair Debt Collections Practices Act, you have a legal responsibility to terminate the claim and correct any negative credit reporting which may have been made in connection with this alleged debt.
Thank you, XXXX : XXXX XXXX/ XXXX Agent/Beneficiary Without Prejudice, All Natural Inalienable Rights Reserved
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| 05/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Santender Consumer USA reprocessed car on XXXX and have video of them doing so with someone on motorcycle trying to break in with a jimmy and alarm went off and they fled scene and tow truck then pulled up and took it. XX/XX/ found out it was at XXXX XXXX XXXX and when I got there they informed me that the car was sent to XXXX XXXX in XXXX XXXX XXXX on XX/XX/ & also that they took my things out car which several things was Missing including my id and tax forms. I had until XX/XX/ to pay to get my car back. In addition they had my auto loan reporting as account closed on XXXX as well, which was a week before I had to pay to retain car. Several employees in there executive suite department participated in deceptive tactics to cover up there mistakes that XXXX in executive suite pointed out to me and he made arrangements to stop selling of car at auction and stated to me directly that he would assist in Amicably fixing this issue by making arrangements for arrears and compensation financially for missing items upon review and assistance to getting my id and tax forms back due to fear of identity theft and theft of tax return on XX/XX/2023 which was same day was to be sold at auction. I called back several times after the weekend and got different employees in the same executive department and they all said I had to all of a sudden pay full amount of loan after I was directly told other wise by XXXX. I asked several times to have XXXX contact me and they said he didn't have a extension but sent him a message and NEVER A RETURN CALL FROM XXXX XXXX also stated to me directly on recorded line that they violated several consumer rights and he understood if I wanted to pursue other legal compensation ACTIONS as he said in acknowledgement of there WRONG doings, in addition he stated also they had a special department to have the repo reporting on my credit reports removed. Nothing has happened as I was told which led me to asked do they operate under uniform policy as a company or do individual employees can handle a situation as they please. I'm asking for Amicable actions and the company Santender to hold there employees responsible to follow through with what I was told would happen as a consumer.
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| 01/25/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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Santander Bank XXXX XX/XX/XXXX {$940.00} XXXX transfer funds from my personal checking account at XXXX XXXX XXXX to my personal checking account at Santander. I accidentally put the name of my HOA building Account on the check. This was flagged by the XXXX department, they held the funds from XXXX XXXX XXXX, and did not release them into my Santander account. I went into the local branch to clear this up. They confirmed the money was from my account at XXXX bank into my account in another bank, and assured me that my funds will be available within 30 days. They never released my funds. They cleared the money out of my XXXX XXXX XXXX account and held it in accessible to me. I have gone back on three occasions since then to be told in person that my funds will be available soon.
They told me in person that I would simply need to add funds to account for the amount deemed fraudulent. My account remained as a negative available balance for 3 months despite having > {$500.00} in the account. I was not permitted to withdraw any money.
After 30 minutes in person and having the banker call headquarters and escalate through multiple levels I was told I would be able to access my account if I deposited even more money. I did so and my account funds, now greater were still held.
This time after 40 minutes in person I was told I could access my funds in another 30 days if I made a deposit. I stated this was not acceptable as I need access to My money.
I demanded that the original transfer be returned to my XXXX XXXX XXXX account. They stated that they could initiate that transfer but that the funds might not be available for Another 30 days. Additionally, I would STILL not be able to transfer money from my Santander account.
They held my money for 3 month. Denied me access. And denied me recourse. It is infuriating. The only purpose of this account is for quarterly transfer to an HOA account. Now I can not access that and will incur fees for out of system transfers.
I will be closing my account and telling all my friends and colleagues how much time Santander bank wastes. XXXX is money and my money is money. And Santander no longer has the right to ask for either from me.
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| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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XXXX XXXX. XXXX XXXX XXXX XXXX representative for XXXX XXXX All Rights Reserved UCC 1-308 Re : Defamation of Character notice SANTANDER CONSUMER USA account # XXXX You are using Color of Law to collect, publicize, furnish, share, disclose and report inaccurate information about me as defined by 15 USC 1681a ( q ) ( 3 ).
These actions are depriving me of my right to contract. In addition to the credit extension deprivation, I have also missed and continue to miss a substantial amount of work which has resulted in me incurring and ongoing loss of wages.
My previous communications have been, neglected and outright mishandled. After reviewing my records it was discovered that there has never been a fair or equal consideration of value in this matter. I hereby demand my vehicle be reported as paid off, my title delivered via mail, and the release of all my funds paid, including interest accrued in regards the the vehicle under previously stated account.
Failure to comply or properly respond to this notice will serve as your reluctant agreement to the statements made herein this notice, your agreement to FULL liability for any injuries caused, criminal prosecution and will absolutely result in further legal action being taken against you. It is not the burden of the consumer to further prove legal validity of TILA rescission once the complaint was not responded to in a legally timely manner.
It has also come the the administrative and legal counsels attention that you have been erroneously and illegally acting as administer over his account that belongs to the administrator XXXX XXXX the legal holder of this account. Because you failed to disclose all the terms of agreement ( the word you mention in this correspondence in all its variations is referring to SANTANDER CONSUMER USA and its associates ), youre serving in the capacity of anything other than fiduciary/trustee is hereby terminated forth with and henceforth.
Under the Federal Debt Collection Practices Act, I now exercise my legal right to challenge the validity of this debt your agency claims I owe.
I declare under the laws of XXXX that in the before mentioned statement of facts is true and correct.
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| 10/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I purchased a vehicle in XXXXXXXX XXXX XXXXXXXX. My first payment was due in XXXXXXXX XXXX XXXXXXXX. I have made all of my payments from XX/XX/XXXX- XXXX of XXXX. I have all bank statements showing proof of payments from this time period. I received a phone call from Santander Consumer Financial in XXXXXXXX XXXX XXXXXXXX saying they had not received my payment from XXXX and XXXX. I went to my my bank, had them print out my statements showing proof of payment and I faxed it to Santander Consumer Financial. They told me they would have to investigate and they would get back to me in 3-5 business days. I waited about a week and still hadn't heard from Santander so I took it upon myself to call them. After being on hold for over and hour and being transferred to 7 different people, I was told they were still investigating. This went on weekly for about 2 and a half months. I finally got answers in XXXX and was simply told by Santander that my bank was stealing my money and now I am told I am 3 months behind on payments, even though throughout their " investigation '' my husband and I were still making all payments in full. I had a daily battle with this company for months. I gave them all of my proof of payments and they continued to tack on late fees. Now we jump to XXXX and they tell me out of all of this time, for the past 9 months, I have only made 2 payments. All of my money invested in this vehicle was taken from me. I have invested over {$10000.00} in this vehicle just to end up with nothing. This company is crooked and they are thieves. I need help to figure out my options in recovering some of my money. They have also changed names that reflect on bank statement to a shell company called XXXX. I questioned them several times about this company and Santander advised me it was a third party company they use for payment purposes. I was recently told in XXXX by a Santander employee that she didn't know who that company was nor had she heard of them. I am beginning to think that that is how they are defrauding people out of money. They are receiving payment through this shell company and then acting as if they have no idea who they are. Please help
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| 12/22/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Santander bank is stating I need to go into a physical bank branch to reclaim my checking account and access to my funds. I signed up for the account in XXXX via an online registration with my Illinois address. I have used an Illinois address the entirety of my account being active. There has never been a Santander bank branches in XXXX the closest bank branch is in Pennsylvania XXXX It is extremely unreasonable for me to have to travel across the country to go into a bank branch considering they know I have always lived in Illinois. I would like access to my funds by ether having a paper check mailed to my home address onfile, or electronic access to transfer my funds to another bank I account I have. I am unable to pay my bills and meet my financial obligations due to not having access to my money.
The issue stems from how my XXXX account was comprised from XX/XX/XXXX to XX/XX/XXXX. Over XXXX transactions were made using XXXX which was connected to my Santander checking account. I reached out to Santander via phone call XX/XX/XXXX and started the process of resolving the fraud. I spoke to someone on the fraud team and they assured me my account would be restricting any activities from paypal and not to worry that my actual account would still be open. On XX/XX/XXXX I called Santander again because I noticed they only opened disputes for XXXX of the XXXX fraudulent transactions I relayed previously. The Fraud agent apologized and assured me they would be opening cases for the remaining transactions. On XX/XX/XXXX, after noticing they did not open disputes on the remaining of the XXXX transactions I spoke to a manager in the fraud department and was told they would need to close down my account, and restrict all access until I came into a branch to verify myself. I advised them that I live very far away from a branch and that would not be a reasonable request. They apologized and said I should not have had been allowed to be a customer since I did not have a branch in my state.
Since then I have reached out numerous times to their support line about how to access my funds without going to a physical branch but there has been no resolution.
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| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I took out an auto loan with Chrysler Capital in XXXX. There was a civil matter between myself and Chrysler that started in XXXX. I believed I had satisfied the loan back then and unbeknownst to me at the time, apparently Chrysler did not. As time went by, I realized that Chrysler was reporting the loan account as a " charged off '' account. I tried to work with Chrysler years ago to have them report the account as satisfied but nothing was resolved. I also tried to dispute the account accuracy with the credit bureaus with no luck as Chrysler was not reporting accurately to them.
After becoming completely XXXX and suffering a XXXX a few years ago I just let it go for awhile. Now, it is over 7 years since this account was closed and I just wanted it deleted from my credit report. The past couple years the account was not even being reported at all to the credit bureaus by Chrysler.
So just recently I disputed it with XXXX XXXX stating it was an old account that should be deleted. When I got the " investigation '' result, XXXX XXXX said that Chrysler told them it was a current open account that was a charge off and because of this my score dropped XXXX points! What!!!! My score drops XXXX points because of a dispute and unlawful inaccurate reporting by Chrysler to the bureaus?? By legal definition a charged off account is a closed account and Chrysler hadn't even reported anything to the bureaus for a couple years and now as I dispute it to get it deleted, Chrysler says it's open???? And a charge off at the same time???? On an account that has been closed for over 7 years????
Can you please help me correct this unfortunate situation and make Chrysler follow the law with accurate reporting and helping me get this old account deleted from the credit bureaus. Thank you so much for your assistance in this matter.
By the way, I also included XXXX XXXX in the complaint but their hands have been tied because of the unlawful and inaccurate reporting to them by Chrysler. They are just doing their job so I have no issue with them. I just needed to include them so You would understand the situation and how it's reflecting my credit score.
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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AS OF MAY XXXX XXXX XXXX I MADE A DISPUTE TO COMPANY THE COMPANIES TOOK 45 days to respond!!! THEY ARE VIOLATING THE " FAIR CARES ACT " LAW REMOVE ACCOUNT IMMEDIATELY SANTANDER CONSUMER USA XXXX POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off. Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. RESPONSE DISPUTE DISPUTE RESPONSE! THE COMPANY TO OVER 45 days to respond this account must BE REMOVE IMMEDIATELY FROM MY CONSUMER REPORT AND CREDIT REPORT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
|
| 10/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Notice to Correct Credit Report To Whom It May Concern : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record.
Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.
Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.demand the following statements be verified or removed immediately.
Sincerely, XXXX XXXX Name of Account Account Number Provide Physical Verification Creditor XXXX XXXX XXXX CLOSED XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX Original Creditor XXXX CLOSED XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXXXXXX CURRENT PAID XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX CURRENT PAID XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX PAST XXXX XXXX ( REMOVE ) XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX
CLOSED SANTANDER CONSUMER USA XXXX CLOSED / PAID OFF XXXX XXXX CLOSED XXXXPAID OFF XXXX XXXX XXXX XXXX CLOSED /PAID OFF XXXX XXXX XXXX CLOSED /PAID OFF INCORRECT Addresses- ( PLEASE REMOVE ) Address ID # XXXX ONLY ADDRESS ( CURRENTLY ) Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT
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| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I am writing to file a complaint against Santander, the auto lender, and XXXX of XXXX, the dealership, regarding the purchase of a XXXX XXXX XXXX. On XX/XX/XXXX, I purchased the car from XXXX of XXXX, located at XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. At the time of the purchase, I was freshly XXXX XXXX XXXX and lacked the knowledge and experience to fully understand the transaction.
The dealership took advantage of my lack of knowledge by not disclosing crucial information regarding the car 's condition and the terms of the contract. The car had a listed mileage of XXXX miles, but the odometer showed XXXX miles. Although the sales agent promised to adjust the price accordingly, it was never done. The dealer failed to include my exact model/trimline of my vehicle on my agreement and didnt put my insurance companys name or policy number on my agreement. Furthermore, the dealership did not include the agreement to break my down payment into two payments in the written contract.
I was also offered a warranty, which the dealership promised would cover everything. However, the car started overheating due to the radiator fan just 2-3 weeks after the purchase. When I took it back to the dealership, they informed me that it was not covered under the warranty because it was part of the electrical system. I was shocked to learn that I was not enrolled in bumper-to-bumper coverage, which I was promised at the time of the sale.
I feel that the actions of XXXX of XXXX and Santander have been grossly misleading and negligent. They violated my rights as a consumer and took advantage of my inexperience in purchasing a car. The negative reports that Santander has made to my consumer report have made it extremely difficult for me to obtain credit extensions, which has caused significant financial hardship.
I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against these businesses. They must be held accountable for their actions and prevented from treating other consumers in a similar manner.
Thank you for your attention to this matter.
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| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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Santander Consumer is illegally opening and closing an auto and reporting inaccurate information to the credit bureau. I've file several complaints regarding the improper use of my credit report and also a violation of the law.
On XX/XX/XXXX, I pulled my credit report to see that Santander Consumer is still violating my consumer rights by reporting inaccurate information regarding litigation of an auto loan that was open in XXXX of XXXX ( Account Number : XXXX ), Santander consumer is illegally opening and closing the auto loan and reporting false information to XXXX, XXXX, and XXXX for a charge off account. Santander consumer is reporting a balance of XXXX and a higher balance of XXXX, XXXX, the last activity on the report is also inaccurate along with the payment history. Santander Consumer is continuing their deceptive and predatory lending practices even after being fined.
Santander Consumer is believed to be in violation of the following : inaccurate in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) Respondent failed to promptly update and correct information furnished to CRAs that Respondent determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 2 ) ; ( 3 ) Respondent furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts in violation of 623 ( a ) ( 5 ) of the FCRA, 15 U.S.C. 1681- s2 ( a ) ( 5 ) ; and ( 4 ) Respondent failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).
|
| 10/05/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
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I pay all of my bills at the same time every month. I go through a checklist and mark each paid as I go. I have zero late payments on my credit history and am very meticulous about my credit.
I had a loan with Chrysler Capital for a car lease. I've been with them for almost 6 years and you can see my history with them is impeccable. I'm always on time.
I'm not sure exactly what happened in XXXX, but I paid my bills like usual and for some reason this payment did not go through. I'm assuming a technical error on their end. It did not have to do with the money in my account as I maintain more than enough in my account to cover XXXX payments.
I did not notice this happened at the time. I found out when it was reported to a credit bureau and my credit monitoring alerted me.
In that time, Chrysler Capital did not email me ( even though they email me for everything else ), send me a letter, or call my correct number. I literally changed my number with Chrysler Capital 5 times over the last 5 years. They called my old number that I keep trying to delete, even with them on the phone. They are completely incompetent.
So they can't do something as simple as call the correct number that I changed 5 times, or email me, even though I have been a loyal customer to them for many years.
I have called them several times and spoke to several people that were very rude ( I was nice as pie ) that all told me they can not remove this blemish from my report.
On top of this, I am trying to move my family out of a bad area and buy a new home and now my mortgage rating dropped from this one blemish and I am unable to buy a home. With the new rate because of the drop in my credit score, it is unaffordable.
Chrysler Capital has been horrendous through this entire process and can care less that they ruined someones life because of an error on their side and their incompetence to inform me of the error and late payment.
Because of this, I will never purchase a Chrysler, XXXX, XXXX again and I will make it my duty to make sure anyone I know stays away from this terrible company.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
After several attempts to reason with a bank that is unreasonable, and certainly capricious in its operational practices, I insist upon explanation as to the conduct of Santander Bank with regards to both the XXXX and HELOC, the validation of both accounts, and the errors that Santander Bank has made and failed to rectify since XXXX, XXXX with regards to all accounts between myself and Santander Bank.
It has been documented, supported and admitted that " Santander dropped the ball '' in the Autumn of XXXX ; however, in the process of my attempts to rectify and relieve myself from Santander Bank, I have been met with the greatest level of discourtesy, and certainly ( XXXX )/ ' business practices, that lead me to full and complete distrust of Santander Bank . IN the present, this is most evident in the rejection of payment in a letter from Santander bank dated XX/XX/XXXX with a return of funds equal to {$500.00}, and the refusal to place policy into writing regarding the payoff and expectations of performance by Santander Bank to me in advance of full payment. It is no wonder why Santander Bank has such a poor reputation ; however, to have found such letters of inteniion from Santander Bank online lends supportive evidence to distrust. Furthermore, a healthy suit to the tune of {$10.00} XXXX dollars due to Santander 's mismanagement of fraudulent behavior regarding XXXX is a fact that is inescapable.
I particularly draw my attention to the poor behavior and indifference as received from XXXX XXXX, XXXX XXXX, and XXXX XXXX of the Santander Collections Department.
Furthermore, the fact that a confirmation # XXXX on XX/XX/XXXX has never been responded to by Santander Bank. " Respect '' is the last word that should ever be associated with this bank, so much so that the XXXX XXXX XXXX PA Attorney General could not resolve the matter ( XXXX ).
Additionally, as I understand it, the fact that Santander remains placing this " charge off '' on the record after this considerably lengthy time period is likely in violation of certain provisions of the consumer protection law.
|
| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XX/XX/XXXX Santader Consumer USA changed the term of my loan without my knowledge or consent and did this based on the dealer submitting XXXX separate forged loan documents.
XX/XX/XXXX I notified Santander of my assertion of dealer fraud and Santanders responsibility to me if I suspected dealer abuse and fraud. I informed Santander that I never signed the loan document nor did I agree to the purchase of the back end ancillary products added to the loan contract. I requested copies of these documents from both the dealer and Santander. The dealer has yet to provide the documents and Santander finally sent me a copy of the loan documents on XX/XX/XXXX. After reviewing them it is obvious that they were forged because I never signed them.
I reminded Santander of the permanent injunction that Santander was violating and begged them to work with me.
XX/XX/XXXX I removed the authorization for auto pay from the external accounts associated with my loan. I did this online and over the phone. Santander ignored this request and XXXX payments were taken from XXXX different accounts XXXX of which was my business account which forced it to close.
From XX/XX/XXXX until XX/XX/XXXX I emailed, called and wrote Santander regarding the inability to make the payments and the loan was in default.
XX/XX/XXXX Santander repossessed my car but the tow truck driver failed to provide me with the documents for a legal repossession.
XX/XX/XXXX I received a call from someone claiming to be from the XXXXXXXX XXXX. This person told me that they sent out a copy of the loan document and the deficiency notice required by law. To date I have not received anything from Santander.
It is my assertion that Santander bought this loan from the dealership with forged signatures, changed the term of the loan and withdrew money from XXXX checking accounts that were unauthorized and not legal.
I also assert that Santander violated the class action permanent injunction dated XX/XX/XXXX were Santander must watch out for signs of dealer abuse and re evaluate all loans if they default within a certain time.
|
| 01/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
XXXX I started a lease with Chrysler Capital for 2 cars, each car has its own account online to make payments. I pay {$230.00} each month, and in XX/XX/XXXX, I had trouble signing into account # 1 to make the monthly payment, so to avoid a late fee I made a double payment of {$470.00} on account # 2In for both cars. Once I made the double payment I called Chrysler to explain why I made the double payment hoping they would transfer the {$230.00} to account # 1. Nobody answered the phone due to the pandemic, and therefore the issue was not resolved. When finally I was able to contact them I explained the issue to them and asked them to correct it, they said they will, but they did not do it.
I contacted them again in XX/XX/XXXX and they told me that in order to solve the issue I had to submit a {$470.00} payment ; I made the payment on XX/XX/XXXX and I did wait.
A few months later I came to know that the issue was not solved then I called them again and they told asked me to submit another {$470.00} payment and they promised that they will solve the issue. I did the payment on XX/XX/XXXX, A few months later I came to know that they did not fix the problem and they were charging me late fees {$32.00} every month then I continued calling, but they did not help me. I talked to agents, supervisors, and managers, but they did nothing about it.
On XX/XX/XXXX I spoke with someone who wanted to help me and asked me to submit a {$230.00} extra payment to bring to current the account that was past due, I made the payment on XX/XX/XXXX, but they did not waive the full late fees amount.
On XX/XX/XXXX when the lease was ending, I chose to buy both of the leases, when I went to the dealership, they told me that in order to buy the lease I had to pay the late fees which were over {$650.00} and the worst scenario was that I got a high-interest rate for the deal due to that issue which they never wanted to solve. I had to pay the late fees on XX/XX/XXXX so I have to be paying interest for the late fees too because late fees were added to the price of the car. Please help me.
|
| 04/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Notice to agent is noticed to principle, notice to principle, is noticed to agent.
This is to inform the CFPB that for the past five months Since the month of XXXX and to present day I am still Waiting for Santander Consumer USA to provide me with a signed invoice and a XXXX XXXX Contract The company has denied and refuse to provide me with that signed invoice. And since the company has not addressed my issue, I have asked Santander to set off the account. It seems like the company has no interest, but only to damage the consumer. So, I am taking the time to write another dispute and to settle this account, With XXXX Right of rescission. My decision Is because the company believe that I am dissatisfied with the vehicle. My understanding when I signed that contract with, XXXX XXXX XXXX I did not know I was signing A contract four Credit. I will Be sending A letter Certify mail of my right to Rescission on the date of XX/XX/XXXX I have tried to come into an agreement and keep this account in honor and just to let Santander consumer USA know how can you be satisfied when doing business with a dealership and a bank that likes to commit fraud, to consumers I suggest going back in XXXX when the company committed fraud in the state of XXXX Texas and just because I am a lawful consumer I gave Santander a chance to conduct business if Santander believe the disinformation is inaccurate I suggest searching on the CFPB XXXX Santander consumer USA and there you will see all the fraud you have committed, now you can ask me if I am dissatisfied, your answer couldn't be more clear. nice doing business with you and XXXX bless you and can your company provide the consumer what he's requesting, and your problems will be solved if you feel confused of what documentation I am requesting you should look into your books. And if you feel confused, you should ask XXXX XXXX XXXX, and also just keep in mind in this contract I have an arbitration claw with XXXX XXXX XXXX not Santander consumer USA, those attachments will be under this description giving in this portal thank you
|
| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I informed Chrysler Capital I XXXX XXXX XXXX around mid XXXX, I requested a deferment for my XXXX payment, which they granted. But, due to the nature of the XXXX ; I had to have XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX was done in the second week of XXXX. I am currently in XXXX and remain XXXX, until a doctor signs off and gives me the clearance to return back to work. Chrysler Capital is well aware that I work on a XXXX XXXX Thats how I make my livelihood. Because the nature of my work and the layout of the XXXX and the conditions in which we operate ; it is not feasible for me to use crutches or a wheelchair. I called again nearing the end of XXXX to explain XXXX still currently in XXXX, that I would be unable to make the XXXX payment, if they could defer the payment. I was denied, due to being given one in XXXX. Im grateful for the XXXX deferment. However, Im still dealing with this medical issue, something of this seriousness doesnt go away or resolve itself overnight. I was denied because of my payment history which is a poor excuse ; because I have always made my payments on or before its due date, my payment history is current and is satisfactory. I spoke with a representative today ( XX/XX/ ) who even reiterated my payment history is impeccable, but, I was denied a deferment because of my payment history it doesnt make sense. I was given the option of a promise to pay in which I make a partial payment on my XXXX due date, fine, what else am I to do? What they dont understand is ; I have other financial obligations, more important than a car payment that I have to decide between. I expressed to them that if that be the case, I would voluntarily surrender my car, but they want to avoid that. They know that option would be more expensive on their end. I agreed to the partial payment, so it wouldnt stain my credit history and report. But, Im pushed into a corner. Its still going to be difficult to even fulfill that option. I feel Chrysler Capital disregards customer hardships, because they want their money. By any means necessary.
|
| 10/20/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
On XX/XX/22 I opened a fraudulent transactions claim with Santander by calling their personal accounts customer service at XXXX for 2 fraudulent transactions on my Santander credit card : XXXX {$2.00} XXXX {$17.00} I informed the phone operator that I did a XXXX search on the transaction description : " XXXX XXXX XXXXXXXX '' and the search returned 2+pages of results flagging this as a known credit card scam, and that I was surprised Santander would let these charges through to begin with. I also requested that my credit card account be closed because this has happened before and I don't think Santander takes credit card security as seriously as other credit card companies.
On XX/XX/22 I received a letter in the mail from Santander informing me that they had closed the investigation on the XX/XX/22 {$17.00} charge because no billing error had occurred, because documentation from the vendor proved I had authorized the charges. Additionally the letter stated I should contact the vendor directly for further details. It did not mention the XX/XX/22 {$2.00} charge.
On XX/XX/22 I checked online banking and found that Santander had returned the {$17.00} charge to my statement. I called XXXX and spoke with XXXX in Disputes. I asked him how I could contact the vendor when 2+ pages of XXXX results indicated that this was a know credit card scam. Unbelievably, XXXX told me " you are providing new evidence that this was indeed a fraudulent charge by your XXXX search, so can you take a screenshot of your XXXX search and email it to us and I will open a new fraudulent transaction dispute. '' I told him that when I opened the fraud case I had mentioned this to the operator, to which XXXX said " a note was not made on the case with that information. '' At this point I wished him a good day and hung up. I would like to know what exactly Santander 's " fraud investigation '' consists of if not a basic XXXX search or a list of know credit card scams which I would assume they have.
Thanks for your help with this as I did not know who else to contact.
|
| 11/26/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
At the end of XX/XX/, I went in bank to get in my safety Deposit box to take out some savings bonds. I was told that I could not get access because they are going through the abandoned boxes. I did say that I had my box for many years ( 25 years ) and paid for it every year. That was when I found they were discontinuing the safety deposit box at the end of year. I was allowed to go into box in about an hour latter. Everything seemed fine but the girl had trouble with the lock on my box. I told them that I would empty box in XXXX when my yearly rental would end. I went back in XX/XX/XXXX and XXXX XXXX took my keys ( 2 ) and put in his pocket. I am not sure if he took the keys out of his pocket or it opened without my key, but he got in my box. I emptied it out and went home. I then discovered I Had 2 valuable antique diamond rings missing and XXXX old ( XXXX ) silver dollars missing out of XXXX silver dollars. I keep thinking it must be in there so I kept looking again and again and again. But no luck!!!!! I also had upcoming total XXXX XXXX in XXXX XXXX. I was also thinking about that.
After my XXXX and XXXX, I spoke to XXXX XXXX XXXX XX/XX/XXXX ) at Santander customer service and she would start a case. On XX/XX/XXXX an XXXX XXXX XXXX ( XXXX ) called me to listen to my complaint that I thought someone had thought my box was abandoned and went through it and took my valuables. I asked them to look at the camera video of anyone going into my box. Cameras don't lie but people do.
On XXXX I finally talked to XXXX XXXX and I was told that it was fully investigated and my case was closed. I asked about camera footage and did they see the footage of the girl having trouble with my key. No answer to that. I was told to hire a lawyer and get a subpena ( sp ).
Totally shocked with response. I am XXXX XXXX, XXXX was using scare tactics to scam an elderly who has been patron of this bank for over 25 years. Either the bank does not have camera access or they are trying to hide the thieves that work in this bank. I hope you can help!!!!
|
| 10/25/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I went to a dealership to get a vehicle and was approved by Santander at XXXX XXXX XXXX with no credit history and they furnished information on my consumer report that wasn't 100 % accurate and refuses to acknowledge the grave mistake by continuing it to be allowed on my consumer report. None of the details concerning my loan are accurate across all 3 bureaus and I asked Santander to specifically send me the signed documents they have on file concerning the account. I have reached out to Santander without no prevail even though I qualified for their deficiency waiver of the lawsuit they had against them in North Carolina. I believe Santander misrepresented the auto loan given to me by using predatory and fraudulent actions and it shows in the furnishment of information given to credit reporting agencies. I am making this complaint due to Santander failing to uphold the rights of consumers and not properly handling the information given to them by me ( the consumer ) the right to properly dispute this account. Santander failed to give me enough information regarding how any deficiencies left on my auto loan would be calculated after the car were repossessed. Santander also engaged in deceptive servicing practices and actively misled me about the rights and risks of partial payments and loan extensions and added miscellaneous fees to my account after the sale of the vehicle. Santander broke several FDCPA, FCRA and XXXX laws and I want them held accountable. I will also XXXX : the attorney general XXXX XXXX about this matter. I have attached a copy of a letter that was sent to Santander.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.
|
| 04/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I received a solicitation to open a checking account which promised a {$600.00} bonus after {$5000.00} was deposited into the account and held there for 90 days. The account was opened on XX/XX/2022 with XXXX XXXX at the branch.
Approximately 2 months later, the account was closed without me being informed and a check was sent to the wrong address, just as the 90 day account bonus was approaching. I never received the check which was fraudulently cashed once again without me being informed.
Early in XXXX of XXXX I discovered this and initiated a process with the fraud department. It is impossible to actually speak with the fraud department and I have to call the regular customer support line which can not locate the account as it is closed. At this point I have spent countless hours with customer support, where despite me providing all the account information my claim could not be located. The fraud department only communicates through mail which frequently gets lost on their end. I have had multiple assurances from customer support that the claim will be settled as soon as possible. I have made multiple visits to the branch which was the only way to move the process forward with the fraud department. Ive provided all the required information by the fraud department only having to send certain things 3 times because it was never received even though it was XXXX directly from the branch. At no point was I contacted by anyone to update me on the progress of the claim.
As Im approaching an XXXX months mark of opening this account, Im becoming convinced that the bank has multiple deficiencies in account management/tracking, internal controls, customer communication, and fraud processing. Furthermore, it was never explained to me why my account was closed, leading me to believe that the bank was trying to avoid paying the {$600.00} bonus indicating false advertising.
Despite multiple failures on their part, the bank is still not willing to work with me to return my hard earned money
|
| 10/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a bill in the mail from : XXXX XXXX XXXX XXXX.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX Phone : # XXXX Fax # XXXX Account # XXXX Current creditor : XXXX XXXX XXXX XXXXXXXX Client Account # XXXX Original Creditor : Santander Consumer USA Inc .
The Debt collector is stating they are collecting a {$7200.00} debt for original creditor in that amount. I have no idea who any of these companies are nor did I do any business with any of them. I have never obtained any services and/ or products nor did i ever request any loan or credit with any of them ever. They do not give any information of what the balance is for and when the date this account was originally opened or where. It just demands that I pay {$7200.00}. They have been threatening calling my phone and wont tell me who they are or anything. They have lied to me telling me that they are XXXX XXXX XXXX and have started filing criminal charges against me but wont tell me for what without me verifying my identity over the phone, which Im not going to give out any of my personal information to someone calling me and threatening me but wont even tell who they are or what its about. They have recently found and got in contact with my brother at XXXX in the morning telling him that Im in serious trouble and he needs to have me contact them immediately at a completely different number then the number used to text him. They have since then also text message me in the middle of the night harassing me stating I need to contact them immediately but still have not ever said who they are or what this is about. They continue to call my cell phone daily and tell me that they are a law firm and Im in serious trouble and demand i verify my identity without telling me what its about and I refuse to give them any information and disconnect the call everytime. I have blocked there number but they are now calling from another number which is also now blocked but still shows up on my caller id as a blocked missed call.
|
| 02/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX of XXXX Santander Consumer USA sent me a 1099C for debt cancellation on the residual balance owed on a camper that my ex-husband allowed to be repossessed. I amended my XXXX income tax filing to include the amount of the canceled amount as a part of my income. The identifiable date on the 1099C was XX/XX/XXXX. On Friday XX/XX/XXXX I received another 1099C for the exact same amount with and Identifiable date of cancellation for XX/XX/XXXX. I immediately contacted Santander Consumer USA that evening, and after speaking to several associates one of whom was a manager, I was told to speak to my tax preparer and they could explain to the IRS that I had already paid the taxes on that amount. They also advised me they were limited as to what they could see because the account was inactive. I asked for the matter to be escalated and for someone to call me back who could speak to the matter. No one called me back and I reached back out to the company and was connected to someone who handled escalated calls and I sent him both of the 1099C documents for his review. He said he would research and call back, which he did on XX/XX/XXXX. He advised he had the account reactivated so I could see my payment history, but yet again provided the same messaging to contact my tax preparer and maintained they had no record of the XXXX debt cancellation. My tax preparer has no solution for not claiming this as income. I was also told at one point by Santander to ignore the 1099C, which i know is in accurate. The payment history they have provided me access to has gaps in the history. I have to claim this as income once again as to not delay my income tax return be held up. Santander has no explanation for how this has happened, or how a debt can be cancelled more than once. I feel this a very deceptive on their part, and how many other people are impacted by this action. Furthermore, if the loan was just being cancelled in XXXX, why is it not being reported negatively on my credit report.
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
It has come to my attention that Santander Bank is a Debt Collector in accordance with the FDCPA 15 USC 1692a ( 6 ) and have violated my consumer rights by way of nondisclosures, uninformed use, and unfair collection practices ; I, XXXX XXXX am a Consumer/NaturalPerson Pursuant to 15 USC 1692 ( a ) congress finds theres an abundance of abusive, deceptive, and unfair debt collection practices being taken place. The purpose of the subchapter is to eliminate abusive debt collection practices by debt collectors. Furthermore, Congress also finds that the economic stabilization will be enhanced with the informed use of the extension of consumer credit to consumers pursuant to 15 USC 1601 ( a ) of the Truth In Lending Act, all while protecting the consumers privacy and nonpublic personal information in accordance with the GLB Act.
In accordance with 15 USC 1692g ( b ) this debt is considered disputed and Im requesting the name and address of the original creditor. You shall cease all collections of these alleged debts until youve obtained the appropriate lawful documentation, verification/original creditor/judgment.
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 and collection unless to further the investigation, notify me of demands being met, or consumer requests for additional information ( i.e Debt Validation, Affidavit Of Truth ).
Audit Trail of alleged debt- 5 USC 552a ( d ) GAAP Zero out the balance on the account Remove Account Retract late payments..XXXX 15 USC 6802 ( b ) ( 1 ) ( B ) no opt out given Failure to honor the demands provided the required documentation for verification and validation of this alleged debt within 14 days of receipt of this notice shall ; a. ) Be taken as tacit agreement to the claims set forth ; b. ) Grant the consumer all demanded remedies ; or c. ) May result in litigation/Arbitration
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the XXXX. Given that the monthly fee would be approximately XXXX XXXXXXXX to XXXX.
Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( SSN ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered.
So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately XXXX XXXX.
I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all.
At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process.
Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
|
| 01/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
SantanderConsumerUSAs shady predatory lending practices has placed me in under great financial stress. I purchased a my first vehicle while in XXXX through Santander and at the time, the car dealership ( XXXXXXXX XXXX XXXXXXXX ) collaborated in putting me a horrendous subprime auto loan ( with an APR of 25 % ) on a used 2016 XXXX XXXX.
SantanderConsumerUSA was already in hot water for this exact reason after a class action lawsuit was brought up against the lender after numerous complaints of predatory lending practices and giving out auto loans with absurdly high interests rates to via subprime loans to at-risk borrowers.
I ran into vehicle troubles after my 2016 XXXX XXXX engine imploded and bursted into flames. My insurance company ( at the time ) refused to assist me in any way, leaving me to cover the cost of the engine replacement and repairs. I made communication attempts with SantanderConsumerUSA regarding this matter and the lender and I were able to work out a form deferral ( of 2-3 months ) while I worked on resolving my vehicle troubles.
After I managed to get my vehicle up in running, I struggled to catch up on my auto loan and its absurdly high interest. I kept making payments ( which ONLY went towards the auto loans interest ), and SantanderConsumerUSA placed my vehicle up for repossession regardless of my most recent payment and after the lender assured me I needed to make at least two monthly payments before the end of that month to be back up to current on the auto loan. That was apparently a lie, after they repoed my vehicle late Thursday morning without any notice ( no telephone call, letters, or emails received ).
Now I am without transportation and my commute is XXXX miles to and from work. I am honestly baffled that SantanderConsumerUSA is still allowed to continue to operate after the backlash the lender received for its unethical and shady lending practices, leaving hundred of Americans to endure unnecessary financial stress.
|
| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Subject : Rescission of contract due to non-enforceability and refund of down payment and all payments made.
Dear Santander Consumer USA, I am writing to demand that you rescind the contract that I signed with your company for my auto loan and refund all payments made towards the loan agreement. As per my understanding, the contract is non-enforceable due to my breach of the contract by defaulting on the loan payments. Therefore, I request that you return all payments made towards the loan agreement.
I am aware that the doctrine of anticipatory repudiation allows for a contract to be considered void if one party breaches it before the contract has been fully performed. In this case, I breached the contract by failing to make the loan payments, making the contract non-enforceable. As a result, I have the legal right to rescind my signature on the contract and demand a refund of all payments made.
Furthermore, I demand that you remove the account from my credit report and delete the inquiry. Under the Fair Credit Reporting Act ( FCRA ), you are required to provide accurate and complete information to credit reporting agencies. Since the contract is non-enforceable, you are not authorized to report it to credit reporting agencies, and doing so would be a violation of the FCRA. Therefore, I demand that you remove the account from my credit report and delete the inquiry immediately.
I am well-informed of the legal standing on this matter and I will not hesitate to take legal action if necessary. It is my right to rescind the contract and receive a refund of payments made due to my breach of contract. If your company fails to comply with my demands, I will be left with no choice but to take legal action against your company.
Please acknowledge receipt of this letter and confirm in writing that you will comply with my demands. I expect a prompt response from your company.
Sincerely, XXXX XXXX References XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA )
|
| 07/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I contacted XXXX XXXX Chrysler in regard to a purchase of a new vehicle. I went through the same process I would have anywhere else. The lender, Chrysler Capital, and the finance manager at the dealership requested a ton of documents as proof of income and I provided 12 month 's worth of Paycard statements, two years of tax returns, and all of my bank statements over the last 90 days. Along with all of my basic necessity documents to qualify for the loan.
The loan was for {$35000.00} at 16 % interest and the payments were going to be 75 months at {$640.00} a month. The only reason the interest rate is what it is would be because of debts incurred waiting on unemployment and COVID related delinquencies. Again, waiting on unemployment and applying for thousands of jobs in all sectors because my resume is universal.
I was told that because of my " self-employment '' that I had to be able to average out to {$5500.00} a month in pay in order to secure the loan. Well, if the interest rate wasn't 16 % the payments would be way lower. As I have never had a loan at that high of a rate for a car or a mortgaged home.
While I understand what is transpiring here, I have a full background in finance. And I'm quite educated in what is going on here.
I am a single female, making roughly {$75000.00} a year in self-employed income and I just got denied a loan for a car. So, they received all necessary documents to complete the process, that I would most definitely make with the intention to refinance.
I find this loan process to be discriminatory, predatory, and an outright insult to make a XXXX-year-old woman out here independently on her own making her own money to not be approved for an auto loan. I shouldn't need a co-signer. And to top it all off, my credit is what it is due to decisions my government made causing massive inflation and debts that I would have resolved had I been employed ( jobs available ) and my unemployment was processed in a timely manner.
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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In XXXX of XXXX, I was in need of a new vehicle. I went to The XXXX, NY in search of a new vehicle. I found a car on XXXX XXXX lot which has now changed their name. The sales guys I worked with was XXXX. As I reviewed the vehicles on the lot I came across a XXXX XXXX XXXX XXXX XXXX. This was a new vehicle that had just came on their lot and he said the price was {$10000.00} dollars. I spoken with the salesman XXXX to start the process to purchase the vehicle. due to my credit score I had to put a lot of money down. I made a {$6000.00} down payment on this vehicle and XXXX process the paperwork for me to finance of the remaining balance of {$4000.00}. I was told that my loan provider will be Santander Consumer USA. I received the vehicle and was told that the paperwork of the loan will be mailed to me because of Covid. They provided me how much I will be paying monthly and set up automatic payments from my bank until the paperwork comes in.After a few months I never received the paperwork I called the dealership and kept getting the run around. After time passedI I noticed that I was paying on the vehicle and I never received the paperwork. I called Santander Consumer USA inquiring about my loan. The representative shared that they had no record of a down payment on this loan and it was just an interest bearing loan. They mailed me the documents on file and from what I finally received in writing from them it shows the interest rate of 45 %. I have been trying to fight this matter since purchasing this vehicle. The paperwork they finally sent also shows a company name XXXX XXXX XXXX as the seller creditor who I have no idea who these people are. The number on the document provided doesnt add up nor is this my signature on this document. On my credit report my loan is now charged off with Santander Consumer USA but I never received any paperwork on the charge off. But, on the car retail installment contract XXXX XXXX XXXX is listed as the seller creditor.
|
| 09/15/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
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I had funds in my account with Santander Bank that exceeded my Rent Check amount that I wrote on XXXX, XXXX, 2022. I set a transfer on Monday XXXX, XXXX, 2022 from one of my Santander Accounts to the one the check was written for to make sure that account stayed over the amount of my check amount of {$1400.00} for rent. I made multiple deposits until the XXXX, and Suddenly that night Santander charged me {$35.00} insufficient funds fee, when my current and available balance was over {$1400.00} with the supervisor claiming " your XXXX XXXX XXXX purchase of {$28.00} caused this, you having enough for groceries and rent, Tech support cant figure out why you were charged an overdraft fee, and we apologize that your check was returned, and charged an addition {$35.00} for returned check fee. '' I was charged {$70.00} in 24hrs due to HIGHLY ILLEGAL TRANSACTION MANIPULATION to squeeze money out of only god knows how many other customers they do this to on a daily basis. XXXX XXXX XXXX I had more than enough money to cover all of my expenses, had I never banked here and did transactions in cash, simply because I wanted the convenience of online banking I was made victim to shameless transaction manipulation of my checking account to charge me fees illegally, the company going as far to say, when you transferred money from one account to the other, " You must have selected the XXXX for the transfer date. '' I do these account to account transfers all the time, and never have I " accidently '' changed the transaction date. They are either reading from a script to maintain a quota of " Fee Collection '' and trying to keep customers quite or trying to keep their job from nefarious business practice initiated from higher ups.
***For the record*** I maintained a positive balance each day until the transaction manipulation took place, and suddenly my {$1400.00} transfer from one account to the account the check was written for *disappeared* according to tech support.
|
| 08/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I've already filed a complaint about erroneus amounts that this company has taken for interest. Last months payment they took the full {$900.00} I paid for interest. My rate is already incredibly high at 18.13 % I make multiple payments a month and before the payment is due. Even if I didn't pay the XXXX until the due date. The daily interest would have been {$19.00} per day, times that by 30 days in a month, the interest for the whole month should have only been around {$570.00}. I contacted them multiple times before filing complaint and still have not been contacted, and just being told accounting is aware and " looking in to it ''.
I at least do biweekly payments. I just paid {$450.00} of my {$890.00} payment due on XX/XX/18. It's only been 10 days since my last payment of {$450.00}, ( which, as I already they applied that and 2 other payments, totalling {$900.00} for interest ) {$290.00} was taken for interest. Since they kept my whole monthly payment last month my total principle was still XXXX. So where did they come up with that number it would still have been a daily interest of {$19.00} 10 days since last payment. Would only be {$190.00}. I have know clue how they come up with the numbers they do, and they don't even contact back to offer some type of explanation. I contacted them again on the XXXX and told them I've already filed one complaint and that I will be contacting a lawyer if I did not hear from them. Its been over a month since I initially contacted them about the previous situation! Still nothing not even a reply besides the automated email saying they recieved my complaint message. I'm a single mom with a mortgage and other bills, i have XXXX jobs and work XXXX a week to cover them. I'm pretty decent with math and the only payments that are correct if you break down the calculations where the first 2. It's very frustrating feeling that my hard earned money is just being taken and not understanding where it is going. Please help.
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| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is imperative that consumer reporting agencies like XXXX and XXXX operate with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my private information, as outlined in 15 USC 6801. Financial institutions, including furnishers of information to credit agencies, are obligated to protect customer privacy according to Congress ( 15 USC 6802b ( c ) ).
However, I have not given my consent for XXXX, XXXX, or any furnisher of information to credit agencies to share my data. The law ( XXXX5 USC 1681 section 604a ) states that consumer reporting agencies can furnish a consumer report only with the written instructions of the consumer. I have never provided such consent, verbal, non-verbal, written, or implied. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must inform the consumer about their right to opt out of data disclosure, which the furnisher failed to do in my case. For multiple Accounts Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially if it antedates the report by more than seven years. XXXX and XXXX are violating this provision by reporting adverse items without my permission.
Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is illegal to furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to prevent violations of the law.
Lastly, according to 12 CFR 1016.7, I have the right to opt out of reporting services at any time. Therefore, I am choosing to exercise my right to opt out and revoke any consent given, explicit or otherwise, for XXXX, XXXX, and any furnisher of information to credit agencies to share my personal data.
|
| 06/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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|
Web |
Older American |
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I purchased a new XXXX XXXX in XXXX. I have had this vehicle for six years and the vehicle is in my possession presently. The payments have been {$480.00} per month. I have experienced financial hardships on and off over the course of the loan and particularly during Covid pandemic. However, I have continued to adhere to agreements when the lender would give me time to make a payment. They would defer payments to the end of the loan. The statements that I received did not seem to be accurate or up to date and were confusing. Then I stopped receiving statements in approximately XX/XX/XXXX. As of XX/XX/XXXX a credit report shows that I only owe {$14000.00} I have continued to send payments of what I could and the last payment that I made was {$600.00} in XXXX. I have been unemployed since Covid in XXXX when I lost my job but I made payments on and off less then the actual payment amount which caused late fees. My daughter was helping me as much as she could. The lender seemed to charge off the account in XX/XX/XXXX which I don't understand because my account remained open and I was still sending payments as early as XX/XX/XXXX and continue to send payments. I had received several default notices between XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I continued to send payments during all this time at least between {$100.00} to {$600.00}. I have called XXXX XXXX many times to get help so I would not lose the vehicle because I really do not want to lose this vehicle which I have invested so many years in. I just did not get effective communication with customer service or to speak with anyone in authority and always having to explain everything over and over to customer service and would be told even though I was sending payments that the car could be repossessed at any time. This is a very stressful way to live and I have been making payments and I am just thankful that I still have my vehicle. I keep the vehicle insured and registered.
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
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On XX/XX/2023 I called Chrysler Capital to report a XXXX XXXX Payment towards the balance of my car loan. The payment made was for {$1200.00}. I spoke to agent by the name of XXXX. XXXX provided that her XXXX Employee Agent Number was XXXX. I provided her with the XXXX XXXX reference number that is required a XXXX XXXX payment is completed. Up to date the payment I made of {$1200.00} has not been posted on my account towards my car loan. Today, XX/XX/2023, I called back to follow-up on why the payment has still not posted on my car loan. The first agent I spoke with stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and hang up on me. I called back and get a different agent. The agent stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. The agent immediately stated that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me, other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay them. I requested to speak to a Supervisor. The supervisor stated that her name was XXXX and that her Chrysler Employee Agent Number was XXXX. XXXX provided that I was 116 days past due and owe a payment of {$2200.00} and there is nothing that she can do to help me other than notate the account as it is XXXX XXXX XXXX responsibility to find Chrysler Capital and pay Chrysler Capital. XXXX further provided that XXXX XXXX reference number for the payment I made of {$1200.00} on XX/XX/2023 was not sufficient enough information which is the opposite of Chrysler Capital expectations that specifically states on their website that to be sure** to call Chrysler Capital at ( XXXX ) XXXX with your reference number or master transfer control number once you have completed the payment process. ** My issue remains unresolved.
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I, XXXX XXXX XXXX recently went to XXXX XXXX on XX/XX/2023 located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I was looking to make a Consumer credit transaction for my first ever XXXX purchase. I test drove a XXXX XXXXXXXX XXXX XXXX which is listed at the value of {$47000.00}. I was looking to Finance the vehicle & I was not able to do so due to Credit Denial. I filled out a Credit Extension Application which was denied by over 5 Financial institutions. I was asked to make a down payment of {$5000.00} which I declined because I am aware of 15 U.S Code 1605- Determination of Finance charge ( illegal down payment ). I left the dealer & received adverse action letters from 5 financial institutions regarding the credit Denial. Only one financial institution disclosed the Amount Requested which is {$50000.00} on XX/XX/2023. My sources for this complaint are, Truth in Lending Act, Equal Credit opportunity Act, 15 U.S Code 1601, 15 U.S Code 1605, 15 U.S Code 1611. This Consumer Credit Transaction was done in good faith, exercised any right under the Consumer Credit protection Act. I've also shopped around for New and used vehicles at other dealers including XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX which I got the same results so I would like to include these dealer & financial institutions that they went through as well. The reasons for Denial based on my Consumer report does not represent the Equal Credit Opportunity Act which makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
ATTACHMENTS Adverse Action letters .pdf ( XXXX MB )
|
| 04/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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I'm Is a small woman own business That banks with santander bank. On XX/XX/XXXX I made a deposit of {$160000.00} And the check came from eastern bank. On the deposit slipped that they gave me did not say there was going to be a hold or an extended hold on the check. On XXXX XXXX they deposited XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX dollars into my account. At this time I made out my payroll checks and I submitted payment to my vendors. On XXXX XXXX I received calls from my employees let me know that all the checks have bounced. When I contacted santander bank they told me that they took the money out of the account and did an extended hold. When signing up for this account in their checkpolicy it does state that they have the right to do an extended hold but it does not state that they have. The right to deposit money into someone's account take the money out of the account not notify the customer and remove it from the ledger. I have made an official complaint with santander bank on XX/XX/XXXX and someone? Is supposed to give me a call. Back within twenty four hours and it is now going on a week and I have not returned my call. Also when I've requested from XXXX the supervisor in the fraud department a copy of the policy. He's telling me that it's internal only. What are my rights as a customer? Recently. Santander removed external notary from their services and never informed us as customers. I'm a XXXX XXXXXXXX. And I need to have lean waivers notarized for me to get paid. I would like to know what are my rights as a customer Because every time I call santander bank and speak with someone new like XXXX or XXXX or XXXX or XXXX. They all have a different answer for me and no one wants to answer my question directly. I need to know what my rights are as a small woman own business that operates out of XXXX massachusetts. Is it just the inner city people being treated this way or is this custom across the board.
|
| 11/15/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Servicemember |
|
To whom it may concern, My name is XXXX XXXX and several years ago I entered a debt management agreement with XXXX XXXX XXXX to settle several accounts with Santander Bank, N.A. I made all the payments and I received my graduation packet from XXXX XXXX XXXX, XXXX, about a month ago I entered a Santander Bank with all of my paperwork to inquire about one of the settled accounts and I allowed them to make copies of my paperwork. I have not had any contact with this bank for at least a year. About two weeks after this I receieved an email telling me that my minimum payment was due. I have called repeatedly and faxed them proof that this account was settled by them and that they had taken payment as agreed in the settlement offer. The Law office that handllfed this for me has also sent them all the paperwork proving that the account in question has been settled. The Law office refuses to do anything further actions on my behalf. I have the physical paperwork showing the accounts were settled and I have all my emails showing that I made all of my program payments. I even have the emails showing that I did in fact send the account in question to the Law Firm to be settled. The have asked me if I wanted to set up a payment plan and I have declined. I have the fax proving that I sent them proof of the account in question being settled. In fact what they have done is pretend that the account was never settled and have added all the interest since it was legally settled too. I am a XXXX XXXX XXXX veteran who has been dealing with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I am only about three weeks recovering from XXXX for this issue. I hav.e all the proof that the account has been settled and the Law office has already mailed they the proof several times. I hope your office can help me. I will be happy to give your office and records and proof if you require.
Yours Very Respectfully, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
|
| 10/08/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I truly believe Santander is trying to get over on me. im trying to fix my credit so I have pulled records to try to settle some debts and get things corrected so I may buy a home. Santander has sold my account to XXXX management but I have noticed some inconsistencies and inaccuracies on the information they have sent. Santander has sent me a " calculation of surplus or deficiency stating that my aggregate balance was {$20000.00} to my knowledge which I could be incorrect and aggregate balance means the amount in an account. Which that amount would have been what I owed which was {$18000.00}. The amount unpaid was {$9700.00} but they reported to the credit bureaus my account owed {$8000.00} after receiving the warranty refund. They sold the account to a debt buyer at XXXX as seen in their transaction history they provided to me. Reporting amount owe was XXXX XX/XX/XXXX the day the account was sold but sold it for XXXX. They need to explain why this is, where does this credit of XXXX comes from? Also in previous cfpb complaints santander stated that my account was charged off and car was sold on XX/XX/XXXX which is also untrue from the information they have sent me my car was sold XX/XX/XXXX and account closed and sold XX/XX/XXXX. I am so confused on which is the truth. I have spoken to XXXX XXXX at the company and she has given me no explanation on why any of this and she also confirmed the car was sold In XXXX contrary to the letters they sent to me.. I truly believe a mistake has been made that no one wants to own up to and that is fine but what is not fine is failing to correct your mistake and leaving this on my credit when the information you are sending is inconsistent and you sold my account with inaccurate information. I believe its extremely unfair and I am tired of going back and forth trying to explain or get an explanation with no results. but I will go to any lengths to get an explanation or results.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that XXXX is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that XXXX is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because XXXX is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within four business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX
|
| 10/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX my husband and I got XXXX spark XXXX from XXXX XXXX XXXX and it wasn't a vehicle that we necessary wanted because it is too expensive with monthly payments and lower interest rate with being on fixed income and XXXX XXXX not that great. They said in 6 months we would be able to trade it in at lower monthly and interest rate as long as we make payments on time. If we didn't want to trade it in 6 months we would be guaranteed to refinance, and we have tried XXXX different refinancing and have been denied the first one was Ally and The second was Santander where we finance now at and the last one was Tresl which the underwriter was XXXX and the reason we are being denied according to XXXX XXXX XXXX from XXXX XXXX he said that because XXXX has cap on interest rates and it is 12 % and that state of VA XXXX on interested rate is 12 % that is why we can't get refinanced because our interest rate at this time is 29.99 % and XXXX XXXX and XXXX XXXX both told us from Easterns at the XXXX VA location, that in 6 months if we make our payments on time that we would have no problem with refi or trade and we are having problems getting it trade in or refi. we can't afford to keep paying {$530.00} a month and Easterns knew that because I verbally discuss this with them, and we submitted our rent lease and bank account and social security income. they prey on the poor and low income, and they LIE all time. I have contacted XXXX and XXXX to trade and they had us come out and look at another vehicle to trade and then they said it wouldn't be a trade it would be XXXX vehicle payments and I have been talking and going over everything with XXXX XXXX from Easterns and he advised us to come out and we have been approved for a trade in and then when we get there XX/XX/XXXX it isn't a trade in it is another vehicle and we declined because we can't afford another vehicle. We also put down our old vehicle and {$500.00} down.
|
| 04/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I am a customer with XXXX. I have a checking account with them since XXXX. I use the online services. I have set up an external account with XXXX XXXX for ACH transfer into XXXX account within their online portal. I have made several external transfers in the past with no issues. I made an external transfer on the XXXX online portal for the amount of {$1000.00} from XXXX XXXX into XXXX. This was done on XXXX. On XX/XX/XXXX - the fund of {$1000.00} was withdrawn from the XXXX account. These funds were taken from the XXXX account via an ACH from XXXX. These funds were never posted to the XXXX account. I have called XXXX 8 times. Each time they state that the middleman has the money. ( I later found out the middleman is the XXXX warehouse ). Supposably they reversed the transaction on XXXX to send the funds back to XXXX XXXX. For some reason they were unable to post the transaction. They told me to wait three days. When I called XXXX after the three days - they told me it is a XXXX XXXX issue. I have now called them 8 times. Each time it takes over a half hour to explain the situation. Once you get to the correct person, they tell you it is not a XXXX issue. It is an issue with the middleman and to call XXXX XXXX I then call XXXX XXXX and they are unable to do anything because they have released the funds to XXXX.
It is now a over a month and the {$1000.00} is missing. XXXX is unwilling to do any type of fraud report. nor do they give any suggestions to resolve the issue. There must be some type of protection for the XXXX in this type of electronic transaction.
There is a clear transaction history of the XXXX withdrawal on the XXXX account debited on XX/XX/XXXX for {$1000.00}. XXXX- once you get through the levels of the phone representatives are able to see the transaction. However- no one can tell where the money is nor are they willing to tell you how to get the funds. i am banging my head against a wall.
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing to request that you immediately cease reporting any information to the credit bureaus regarding the alleged debt you claim I owe until you have fully verified the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). In addition to the above, I urge you to provide me with the original contract bearing my signature and that of the original creditor, as well as the bill of assignment. Please ensure that any accommodations granted are reflected in the original contract or bill of assignment. Furthermore, I demand that you provide me with evidence of the license to collect in Tennessee, if any insurance has been filed on this debt by the original creditor, and if a 1099-C has been filed. Finally, I urge you to provide errors and omissions insurance. I hope that you will be able to supply all the required information promptly. If you fail to comply with any of the above requests, I will consider taking legal action against you in future. The account status is showing Derogatory status on XXXX XXXX XXXX ; XXXX is showing Open status on my credit report. In addition, HOW IS THIS INFORMATION ACCURATE? The Monthly payment for XXXX is showing XX/XX/XXXX for XXXX ; For XXXX and XXXX it is showing monthly payment of XX/XX/XXXX. How is this an accurate account? XXXX XXXX XXXX is showing the High Credit as of {$35000.00}, however, XXXX is showing high credit as of {$35000.00}. ... XXXX is showing Past Due Balance of {$2200.00}. XXXX XXXX XXXX is showing past due balance {$35000.00}. The payment status for XXXX is showing " Late 90 Days ''. The payment status for XXXX and XXXX is showing " Collection/Chargeoff ''. Why the date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The date last reported for XXXX is showing XX/XX/XXXX. The comment by your company states '' Charged Off Account '' which means you need to send me a 1099c form.
|
| 04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Santander Consumer USA is reporting derogatory information onto my consumer report that needs to be removed. I didn't give consent to Santander Consumer USA to share my information with a non affiliate third party entity. The Gramm Leech Bliley Act 15 USC 6801 says that a financial institution must protect against unauthorized access or use of such nonpublic personal information which could result in substantial harm or inconvenience to any consumer. 15 USC 6802 also state that Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Per 15 USC 6803 ; Santander Consumer USA did not clearly and conspicuously give me the option to opt-out of credit reporting as it states in the Gramm Leech Bliley Act. I am asking Santander Consumer USA to Cease and Desist all communications through any and all mediums unless it is for a specified remedy that I am invoking. The term " Communications '' through any and all mediums would be telephone, email, social media and any consumer report listed but not limited to : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This notice is pursuant to 15 USC 1692c. The term Communication pursuant to 15 USC 1692a ( 2 ) means the conveying of information regarding a debt directly or indirectly to any person through any medium. The alleged debt is reporting onto my consumer report which is a form of communication and I need this account removed. This is also a direct violation of 15 USC 1692d ( 1 ) as my consumer report is my reputation and because this derogatory account is being reported and causing harm to my reputation I am entitled to compensation under 15 USC 1692 ( k ) of monetary relief of ( {$1000.00} )
|
| 08/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
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I traded my vehicle a XXXX XXXX XXXX that was financed through XXXX with a monthly payment of {$630.00} to XXXX XXXX XXXX who went out of business after I traded the vehicle into them. I called Chrysler Capital and explained this to them and continued to make the payments until the car was liquidated by XXXX Auto exchange at the auction. I did this so I would not be reflected as late on any payments. I continued to call and in XX/XX/XXXX I was told by XXXX Auto exchange and Chrysler Capital this vehicle was sold to Ally Financial and Ally Financial was paying this car off with Chrysler Capital.
At no time did I speak with Ally or did I give for Chrysler Capital my permission to talk or discuss or negotiate on my behalf with Ally and the same I did not give Ally my permission to discuss or negotiate on my behalf with Chrysler Capital.
In XX/XX/XXXX while continuing to make my monthly payments I was told by Chrysler Capital that they had been in discussions with XXXX and had given XXXX my pay off amount.
I continued to call every month to Chrysler Capital before making the monthly payment to see if it had been paid off. In XX/XX/XXXX I received information from Chrysler Capital that XXXX had paid off the vehicle. I then received a bill showing that {$600.00} was still owed I called Chrysler Capital and explained why they would release my title to XXXX until paid in full and was told they would get with XXXX. I was then notified by all three credit bureaus that it was reported from Chrysler Capital that on XX/XX/2023it was reported on my credit bureau that my acct was closed and paid and negotiated for less settlement which is a derogatory remark I have been calling Chrysler Capital weekly to get this removed to say paid in full with nothing about a settlement for less. This remark has caused not only my credit score to drop dramatically but has caused me not to be able to get new credit.
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| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I was added to my sister 's bank account last year. I provided my social security number and proof of residence.
I received a letter on XX/XX/XXXX that stated that I had to complete a Banking relationship questionnaire before XX/XX/XXXX to avoid closing of the account. The letter stated that the preferred method to complete this questionnaire was online ( by creating an account ), I could also call the XXXX XXXX branch at XXXX OR go to the nearest location in person.
I am living in South Carolina temporarily, so I tried enrolling for online services but the system did not recognize my information. on XX/XX/XXXX, I called the local branch, I explained I needed to speak with someone in XXXX to complete the questionnaire and they told me to wait for the teller. I waited 20 minutes and hang up because no one was answering. I called back and they told me I had to go in person- I explained the letter listed that I could complete the questionnaire by phone. They asked me to call the customer service number. I called the customer service number but then customer service told me to " demand '' an interpreter and that they could not help me answer the questionnaire. I called the branch back and now, no one picked up.
I called another branch and the representative told me that she did not speak XXXX but even if she did, the questionnaire had to be answered in person or online! - I explained that there was no branch in South Carolina and she said to do it online- after I explained that my account would not be recognized, she asked if I was a permanent resident which I said no. She said- Ah it is because your social security number is not in our records because the bank does not add the social for non-residents. I explained that when I opened the account I provided my social. She said there is nothing she can do and that I would somehow need to find a branch or my account would be closed.
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| 12/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I visited the car lot on XX/XX/XXXX. I had recently had a bankruptcy XXXX on XX/XX/XXXX. I was told when I came to the car place that day after my credit was ran that my credit score was too low and that I would have to put down like XXXX or more on a car to be able to purchase one from the lot. So I left and went home. Within an hour or two, I received a phone call from the sales representative asking if I could come back to the lot that they had found a car for me. I took the bus to the lot. When I got there the sales person let me test drive a XXXX XXXX XXXX. It was nice but I wasn't aware of the issues I was about to have. Once we got back to there office I had to get insurance for the vehicle which was a hassle because I had only came to the lot with XXXX dollars and they were originally asking me to put down XXXX for the car. They took it down to XXXX so that I could get insurance. After receiving the paperwork I noticed that my car loan was {$740.00} dollars a month and I could understand how. At the time I wasn't even aware or told that my interest was 29.99 %. I would have never agreed to that.
Also, the sales person put a stick on the window which I assumed was the new safety inspection but I found out that was an expired safety inspection. Warranty didn't even cover the tires because I got a nail in it a day or so after that and had to buy new tires. Anyway, fast forward to now XX/XX/XXXX, I had to pay for my own ID/OD inspection because it was too much of a hassle dealing with them. Also, I just noticed that if I paid off the loan in full it would be {$53000.00}. I still haven't gotten the car titled yet and I feel as though my information was compromise or something to get this auto loan because I didn't know anything about it and had I known it I would have never agreed to it coming right out of a bankruptcy with no a lot of income! I feel I was all around scammed.
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| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have had several loans for jeeps in the last 10 years. This particular loan was to be paid on a trade. the loan was with Chrysler Capital- I found a new jeep ( licensed Chrysler franchise ) they ran my credit, and my application, got the loan approved.
ordered the payoff on my trade ( another jeep with Chrysler capital ) they added the payoff amount to the contract, along with all the down payment costs and typed all into the legal loan agreement.
I signed over the release of liability along with the payoff figures that were verified at the time of signing. giving them my XXXX year old jeep as a trade, my check for the downpayment and a took possession of the new jeep.
a few days later, I called them to make sure they are sending the payoff. they said, yes. then, a couple weeks later. I called again, they said they called the Chrysler capital. I was like ok. then in XXXX I called Chrysler capital they said. they hadn't received the payoff. I called the dealer again, they sent the incorrect amount. Then the account was short all kinds of fees and penalties. I then paid them because they were destroying my credit over XXXX!!!!! when the payoff for {$23000.00}. this happened in XXXX and have tired over and over and over again to get them to fix the lates on my credit report. they have not helped me or even opened my mail to look at the documents. they have killed my credit report and rating. turns out this dealer and Chrysler has been Notorious for holding payoffs, and having customers pay fees and fines to enrich their company and shareholders.
The dealership was eventually shut down by the Attorney General and Chrysler Just closed her eyes and pretended like it never happened and they are still reporting the lates on my credit report they have cost me substantial financial harm because I've had to pay higher interest rates due to their mismanagement and clear greed.
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| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Applicant was denied credit and/or charged unlawful fees which were to be included within the financing agreement pursuant to the Truth in Lending Act and/or other applicable regulations and provisions pursuant to the Uniform Commercial Code, XXXX XXXX XXXX, the Codes of Federal Regulations. Additionally, payment of negotiable instruments were not honored and/or properly recorded or adjusted to provide applicant/owner proper tax documents, lawful title, and/or benefit.
It is unlawful to be denied credit or for any creditor to discriminate against any applicant as it creates an adverse action pursuant to : Title 15 USC 1691 Chapter 41 Providing Scope of Prohibition ; 15 USC 1681 Providing Congressional findings and Statement of Purpose 15 USC 1611 Providing for the Criminal liability for willful and knowing violation 12 CFR 1002.4 Providing for Discrimination, Discouragement, and Scope of Rule concerning dealings between an applicant and creditor.
Additionally, the illegalities of finance charges and downpayments are defined, established, and lawfully remedied in : Title 15 USC 1605 Providing for the Determination of finance charges ; 15 USC 1662 Providing for the Advertising of downpayments and installments ; 15 USC 1635 Providing fo the Right of Recission as to certain transactions.
Similarly, the Uniform Commercial Code 9-102 Providing for said negotiable instruments as were submitted pursuant to the Uniform Commercial Code 3-104.
To avoid further litigation or process please provide immediate remedy, recourse, and/or reconsideration for credit, financing, and/or purchase giving full faith and credit to the applicant has the ability to secure or otherwise settle the security for the instrument and/or property enjoining a lawful consideration or refund of the total amount tendered of {$14000.00} by way of recission pursuant to the above listed applications of law.
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| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am a victim of fraud. According to 18 US Code 1341 states Whoever, having devised or intending to devise any scheme or artifice to defraud, or for obtaining money or property by means of false or fraudulent pretenses, representations, or promises, or to sell, dispose of, loan, exchange, alter, give away, distribute, supply, or furnish or procure for unlawful use any counterfeit or spurious coin, obligation, security, or other article, or anything represented to be or intimated or held out to be such counterfeit or spurious article, for the purpose of executing such scheme or artifice or attempting so to do, places in any post office or authorized depository for mail matter, any matter or thing whatever to be sent or delivered by the Postal Service, or deposits or causes to be deposited any matter or thing whatever to be sent or delivered by any private or commercial interstate carrier, or takes or receives therefrom, any such matter or thing, or knowingly causes to be delivered by mail or such carrier according to the direction thereon, or at the place at which it is directed to be delivered by the person to whom it is addressed, any such matter or thing, shall be fined under this title or imprisoned not more than 20 years, or both. If the violation occurs in relation to, or involving any benefit authorized, transported, transmitted, transferred, disbursed, or paid in connection with, a presidentially declared major disaster or emergency ( as those terms are defined in section 102 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5122 ) ), or affects a financial institution, such person shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. This is fraud! I would be willing to pay the full balance right now in exchange for the original instrument of indebtedness. 12 US Code 83 ( a ) and ( b )
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| 06/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to bring to your attention a serious violation of my consumer rights by SANTANDER CONSUMER USA. I have recently discovered that SANTANDER CONSUMER USA have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information.
Furthermore, I have reason to believe that SANTANDER CONSUMER USA has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of SANTANDER CONSUMER USA, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties.
I demand that SANTANDER CONSUMER USA rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.
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| 10/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Hello, I am aware I have a XXXX XXXX XXXX XXXX & I understand how that works/means ... for my XXXX XXXX XXXX XXXX XXXX I have paid my monthly payments early since day 1 to minimize the total amount of interest I pay for the life of the loan. I paid my XX/XX/XXXXXXXX payment on XX/XX/XXXX which means I am paid ahead my next payment was not due again until XXXX which I paid on XX/XX/XXXX this payment in the amount of {$180.00} was paid online and scheduled as the XX/XX/XXXX Payment. I then paid my XX/XX/XXXX payment on XX/XX/XXXX again I am paying early to decrease the amount of interest I pay over the full term of the loan.
Santander applied the XX/XX/XXXX monies received as a interest only payment and will not reverse it and apply it correctly as intended as the XX/XX/XXXX payment. I am being told the interest had to be bought current. However, what I don't understand is why am I being penalized and being charged compounded interest by paying early I have requested these monies be reversed and reapplied correctly as a regular monthly car payment as intended ( or refund me directly so that I can remit again as a regular payment when due to receive proper credit ) and they have refused to apply them correctly I have paid this loan early and never been late or missed a payment I only want what is fair how can they take my XXXX payment and apply it to interest when I was paid 1 month ahead in my payment obligation. Please help I do not have XXXX to just give away and not receive any benefit of my hard earned $ when I am paid ahead... I am a XXXX XXXX and do not see how this is fair... This seems Predatory how can they charge additional interest when they received benefit of my payments early where is my benefit I did not see any Prepayment penalties disclosure in my contract. Any assistance you can provide is greatly appreciated... Thank you
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| 03/09/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My XXXX passed away and had his first mortgage through Santander Bank. I was appointed administratrix of the estate and sold my dads house on XX/XX/23. My lawyer reached out to Santander twice prior to obtain a payoff providing them with the death certificate and my administratrix paperwork which was all approved by the court. Santander on the first payoff request provided a payoff but then when my lawyer attempted to get an additional payoff that was within 10 days of closing, they refused. My lawyer sent the payoff with plenty extra to ensure the lien release was complete and the loan paid off. I got a letter in the mail addressed to me stating they needed a copy of the deed and a copy of my license. I provided this via email and received a confirmation that it was received and that it would be reviewed within 3 business days, that was on XX/XX/23. I reached out again via email today XX/XX/23 to ask for a status as it had been well over the timeframe provided and was told at first the email is only for receiving documents and then told they found the document and that I now needed to send a letter advising that I was the administratrix of the estate and heir to the loan. They are making me jump through hoops and n providing wrong information at all steps of dealing with this. I have asked them to confirm that the loan was paid off and that the lien was released as I have the legal responsibility to handle the estate and they are refusing to provide me this information. I advised them I was going to file a complaint with the cfpb and received a response stating these are requirements of the cfpb when my dad also had a second mortgage with citizens bank and they did not give me any trouble with payoff quotes or releasing the lien of the home and sending the overpayment back. I am asking for help as Santander bank is refusing to help me.
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| 12/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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My maturity date for my car loan contract with Santander was XX/XX/XXXX. I was 90 days from completing the contract and discovered a closing balance of {$5.00}, XXXX ( less {$1500.00} for 90 days ). This was extremely high to me as a closing amount. The company Santander never contacted me prior to nor after the " Charge-Off '' for the loan amount of {$6800.00} on the vehicle. Prior to learning this, I had written the company XX/XX/XXXX with a settlement offer of {$2500.00} to be paid in installments within 3 months. Without a debt validation letter from Santander, because of interest/principal payment amount questions needing answers from Santander, and the XXXX loan interest ( 18 % ), this would be fair to both parties. The company ( Santander ) only responded with a Notice of Repossession. I forwarded a second certified letter on XXXX requesting a reply to the settlement offer. Still no response from Santander. I finally contacted Santander via telephone XX/XX/XXXX & XXXX and spoke with a " XXXX '' in the collections department who advised Santander would accept a settlement offer of {$2700.00} within XXXX days of agreement. I advised this agent that this amount was acceptable, but I would need to see and read an electronic or hard copy of the agreement before I would verbally agree or sign off. The agent advised me that she could not forward the agreement unless I verbally agreed during this phone call, and paid the full amount within XXXX days. Because of previous issues with Santander, I advised the agent I would not agree to any contract that I nor my legal representation had not reviewed. She again advised Santander would not permit me to review the settlement agreement and repossession could occur at any time. I felt this was an attempt to pressure and bully me into an obscure contract without my full knowledge of the terms.
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| 11/02/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I have an unacceptable problem with Santander Bank. In XX/XX/2023, I linked my wife 's XXXX XXXX to my Santander bank for money transfer. It was successfully linked ( proof of the email attached ) and I initiated the XXXX XXXXXXXX money transfer after receiving the successful link confirmation email. Then it triggered the freeze alert from Santander bank. I called them 5+ times about allowing the transaction since it's valid transaction and I followed all the procedure required. All of their call center representative couldn't understand why it was on hold and how to solve the problem. I even visited the local branch and the local representative called their back-end office and still couldn't solve the problem at all. One person called me to apologize for the bad call experience after I gave them bad survey result. However, the hold is still there. OK, then I waited and hope they can eventually solve the problem, but the time given to Santander doesn't help anything. After a month, the freeze on my money transfer function is still there and I had to call them again yesterday ( XXXX ). A gentleman asked me to provide my wife 's bank statement and our marriage certificate to lift the hold and I did. I called Santander again this morning to finish the fraud alert clearance per the gentleman 's guidance. Surprisingly, the lady told me that the freeze of my money transfer function is permanent and can't be lifted forever. This is completely unacceptable and doesn't make sense at all. First of all, it was a false fraud alert. I followed all the required steps to link the account, and I did receive the success confirmation before I initiated the transfer. Secondly, I provided the required document to prove that's valid account and relationship as well. Why can't Santander remove their false alert and block me to do money transfer forever?
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| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I took my car in XX/XX/2023 to check and see why my car wasnt holding coolant, plus more things. After a pressure test was done, I received a phone call saying that my thermostat needed to be changed and a hose connected to it thats worn would need to be changed also. I got other services done but refused to get the leaking thermostat or worn hose service to be done. I received a phone call from Santander Consumer saying XXXX called them saying my car has been abandoned and needed picked up, due to the fact that the guy had sent one number to save to communicate on but called after the first on a different number and I never got a second email, that Im aware of. I picked up my car XX/XX/2023 paying {$1900.00} and when I got down the road I noticed coolant running out faster than it was when I took it. Filling it up again and again for my hour and a half drive to make it home, I later discover all of the fluids I had been putting in was now on the floor board of my car ( 6-8 gallons ). I called XXXX and they first said theyd change the thermostat for just at {$1000.00} off. I then asked about the damages since water had been sitting on the carpet. They asked I bring it back in so they could see where the water was coming from. I got with my financier Santander Consumer and told them both what was going on, as I got it towed in. The following day Santander Consumer called me saying they had received an alert that my car had been abandoned again. I told them what was going on and they asked that I keep them updated. I called to update them first thing XX/XX/2023 when XXXX called me claiming the water was coming from two window seals that needs to be changed. Santander Consumer then told me that my vehicle was already in the process of being picked up, at the request of XXXX XXXX of XXXX XXXX, they was just waiting on the tow truck.
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| 02/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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On XX/XX/XXXX I reached out to Chrysler Capital, because I was behind on payment and was seeking assistance with becoming current on my loan and keeping my vehicle. I was granted an extension. Payments were to resume on XX/XX/XXXX.
On my billing statement my account was listed current, with XXXX past due and On XX/XX/XXXX I made a XXXX payment. I also made a XXXX payment on XX/XX/XXXX.
On XX/XX/XXXX I logged onto the app to make a payment and there was an error. I was not able to see my account. A few days later I made a 2nd attempt still nothing. On XX/XX/XXXX I attempted again and I called. I spoke with a representative, I was told my account had been charged off. I was confused and asked for clarification, because my account was in good standing less than a month before. The representative couldnt explain to me why my account was charged off. We went over my extension paperwork because, however Thats when I notice that the date on the extension was incorrect. I completed the extension XX/XX/XXXX, but the due date of next payment was XX/XX/XXXX. How is that possible?
I asked to speak with a supervisor and was hung up on.
On XX/XX/XXXX I reached back out to Chrysler Capital to discuss my loan and also my payments. I was told that the loan was charged off and there was nothing I could do. I asked about payments and was told I could still send payments, but the account would still remain in charged off status. I asked why I would still make payments if it wouldnt change anything on the account. It could not be explained.
On XX/XX/XXXX my vehicle was repossessed. I reached out and was told I would need to pay the entire past due in full. I was not giving notice of this repo, I wasnt even given notice that my account was past due. I didnt received any notice from Chrysler Capital since the billing statement on XX/XX/XXXX.
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| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Notice to agent is noticed to principle, noticed to principle is noticed to agent.
Payments on the vehicle Is unclear. Santander consumer USA and XXXX XXXX XXXX can not make their decision on whom the Debt Belongs to. This has been discharged for the following reasons, Santander Consumer USA has not provided the discharge Documentation requested by the consumer I have contacted XXXX XXXX XXXX to provide me with the discharge cancelation Information to report this to the IRS and they have denied the information that I Need, to file the 1099 XXXX XXXX XXXX XXXX deny providing me with Such license, Santander on the other hand is blaming XXXXXXXX XXXX XXXX and since I am the holder in due course of this account, I am cancelling this debt with house resolution 192 that explains the public debt. I would like to recoup the currency by check money order or federal notes. or return the funds to my financial institution. or to the consumers address mentioned un the contract. And just keep in mind they're on the contract it says pay to house does not say Santander consumer USA and just to inform Santander. You forfeit the signature on that contract you have send me. the original contract is proof of the frog you committed with XXXX XXXX you are just unlawful and no different than XXXX XXXX XXXX. I came in good faith to both of you and I addressed the issue when you ask me to you pretended to help when in reality you were committing fraud. I am requesting Santander to provide me with the discharge notification letter and the 1099C information. In order to release your name from the DMV records and if you can not provide me with the information, I am requesting please assign this to a court hearing to a federal court before I address the issue. and before I forget there is no Arbitration Cloth Between me and Santander. Consumer USA.
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| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Both of my vehicles were up for repossession due to losing work/being put off work due to covid. I spoke with the company multiple times trying to get arrangements made since my husband and I were both out of work due to contracting covid multiple times. We were able to get help in XX/XX/2022 with getting a personal loan to pay everything that needed to be paid to keep the vehicles. Within a couple of months after giving the company just under {$7000.00} to keep the vehicles from being repossessed, the company started coming at us again trying to repossess the vehicles. I have made multiple attempts to make payments with the company for both vehicles. Every time I make a payment with them now, my accounts get disabled. I have to fight to get the accounts activated again just to make payments. I have not been able to make any payments since XXXX. Which was my last payments on both vehicles. I have tried calling every week to try to get my accounts activated again to make a payment on both vehicles. This has happened with every payment I have made in the last year. And now my vehicles are up for repossession once again and they refuse to work with us even though it is not our fault we are having these issues. My husband spoke with the company today ( XX/XX/2022 ) and is able to make a payment through an account just for the truck. I am still unable to get my account unlocked to make a payment for the other vehicle. They also stated that even though we make a payment to cover almost 3 months they will not take the one out of repossession. They are trying to make us pay almost {$10000.00} for both vehicles to keep them out of repossession. {$5400.00} for the truck and roughly {$3000.00} or so on the other vehicle. I do have the days, times, etc wrote down in my calendar/planner of all the calls and attempts for payments.
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| 10/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
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15 USC 1691c 15 USC 1692k 15 USC 1642 15 USC 1681m 12 CFR 1002 15 USC 1692B Account was paid in full by insurance company My client is requesting that account to be deleted and remove all charge off in his consumer reporting agencies Under the laws of XXXX XXXX and XXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
I demand proof that the repossession of the subject vehicle was legal in accordance with the following XXXX : XXXX. EFFECT OF ERRORS OR OMISSIONS.
XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle.
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to XXXX XXXX remedies.
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.
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| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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I am sure you are well aware of the legal actions taken against Santander Consumer USA in regards to their poor financing and reporting practices. I have obtained a copy of the Final Consent of Judgement against Santander from the State of Pennsylvania ( where I purchased this vehicle ) and have had it reviewed and provided a copy for your records.
My prior car loan with Santander Consumer USA Loan ( XXXX ) was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX.
Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement and it is to be removed from my credit file immediately. I have submitted multiple disputes to the ALL 3 major credit bureaus ( XXXX, XXXX, and XXXX ) regarding removing this account from my credit report and each time it comes back as the information is validated as accurate, however that is 100 % incorrect as it should been removed ( along with any collection accounts associated with this tradeline ) because of this judgement.
This account Santander Consumer USA Loan ( XXXX ) needs to be deleted from my credit report on all 3 major credit bureaus ( XXXX XXXX XXXX XXXX and XXXX ) immediately. This inaccurate information is a detriment to my credit and due to the lawsuit against Santander consumer USA, it needs to be removed immediately. I will be getting my attorney involved if this is not resolved within the next 14 days.
Thank you.
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| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
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Web |
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My car was totaled in an accident. The insurance company handling paying off the car after the accident, called Santander Consumer USA on XX/XX/ and was told by Santander that they would not give them the Ten Day Payoff Request. Santander told them that I, account holder with them, would need to call Santander and have them send the Ten Day Payoff Request to me and then I would have to forward that to the insurance company. When I called Santander ( on XX/XX/ ), they told me that they could not send me the Ten Day Payoff Request and that the insurance company would need to contact Santander about getting it. I explained to Santander that they had told the insurance company that I would have to call and they said that was wrong. Santander said the insurance company handling the payoff would need to contact Santander and file a claim with Santander on the car and that the insurance company would need to provide a copy of the police report, the evaluation done on the car, and the settlement amount before Santander would send them the Ten Day Payoff Request. I was also told by Santander that I should continue making car payments as once the Ten Day Payoff Request was submitted to them it might take a while ( no time frame was given ) to process the request and payoff. No timeframe was given on how long Santander would take to process the payoff but the representative made it sound like I would need to make more than one payment between now and when the request/payoff was processed. They told me I would be reimbursed for any payments. I provided this information to the insurance company. The insurance company called again to try and speak with a supervisor. I do not know what date they called the second time but was told they are still having issues with Santander providing the Ten Day Payoff Request.
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| 02/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Affidavit of Truth This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; Furthermore, XXXX XXXX XXXX failed to clearly & conspicuously disclose my right to rescind.
I, XXXX XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law ; XXXX XXXX XXXX also accepted a CASH down payment of {$4000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction.
Ive entered into a contract without full disclosure and later noticed violations and or fraud. I have a right to rescind my contract immediately. Also Ive been paying Santander Consumer USA a monthly Note in the amount of {$720.00} which later I found out was not a loan.
Car was also repossessed XX/XX/2022 and has caused my family huge amount of problems, as my personal information and belongings was never returned from the vehicle. Been calling my phone non stop trying to collect an alleged debt after selling my vehicle. Ive lost my job due to my vehicle being repossessed causing damage to my family and I.
15 U.S.Code 1692j- false and deceptive forms 15 U.S.Code 1644 ( a ) - fraudulent authorized use of credit card 15 U.S. Code 1662 ( b ) - mixing cash with consumer credittransaction 15 U.S.Code 1605 - finance charge defined and what is all included 16 C.F.R. 433.1 ( d ) - purchase money loan company got a cash advance for using my social or credit card
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| 10/06/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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On XX/XX/XXXX Santander withdrew {$10000.00} from my XXXX XXXX XXXX. I had requested the transfer from XXXX XXXX on Santander 's website. I have accounts with both banks. The money left my account with XXXX XXXX but never made it to my account at Santander.
On XX/XX/XXXX I called Santander customer service, and again on XX/XX/XXXX. On each call, I was given conflicting information about where my {$10000.00} was and how I would get it back.
On XXXX I called Santander Customer Service again and was told they had no history of withdrawing the money, or that I had requested the transfer.
On XXXX I went to the local Santander Branch in XXXX. The local rep spent an hour calling different departments within Santander and finally, it was resolved that I would receive my money on XXXX.
On XXXX I never received my money.
On XXXX I went back to the local branch at XXXX XXXX XXXX in XXXXXXXX XXXX They told me there was nothing they could do and to go to XXXX XXXX. XXXX XXXX has been helpful all along and has told me they can't request the money be recalled as Santander pulled the money.
I had the local police come to the local branch to help encourage the branch manager to escalate the issue. She was unable to do anything to resolve the situation. ( XXXX XXXX was on speakerphone during the entire time. ) I then called the fraud department with Santander and had XXXX XXXX on the call. After XXXX minutes the fraud department said they would file an internal complaint. They will not issue me a provisional credit, even though I brought this to their attention on XX/XX/XXXX and this is over the 10 days they are required to refund me the money per Reg E.
The representative from Santander ( fraud specialist # XXXX ) ultimately said she was putting me on hold, but actually hung up on me.
|
| 07/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Santander Consumer was the bank that supplied the loan for my XXXX XXXX XXXX. The vehicle was {$16000.00} at the beginning of XXXX when it was purchased. It was not explained to me that interest was going into a separate account. It was also not explained to me that there could be a GAP policy attached to my car note of {$470.00} per month. Fast forward to XXXX- they never supplied me with any information that they were in Federal Court for being a Predatory Lender. The vehicle was placed in the care of a towing company after the wheel was wobbling for a repair. The repairs totaled more than I could afford and at this point I had no choice but to contact them to give them the vehicle back voluntarily. During all of the time I owed them Santander called me almost every day and sometimes more than one time in a day. They ultimately decided to abandon the vehicle ( did not retrieve it ) and stated to me that the reason why was that it was not worth it for them but that I needed to continue to pay on a loan for the car a total of {$11000.00}. This means that over the last five years they have collected {$28000.00} approximately in nothing but interest and only {$5000.00} ( {$1000.00} per year ) towards the vehicle. Leaving me with an {$11000.00} balance to be repaid for a vehicle that was probably worth {$5000.00} or more of the {$11000.00} they stated that I owed in writing. When asked to send a communication by mail stating that they abandoned the vehicle they refused to do so. They have been calling me every day while I am working and trying to re-establish myself after the pandemic hit me financially as hard as it did. This is not right. Someone needs to do something about them. This was a flat out HOAX. Nothing they tell you is true about how the loan is repaid.
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| 07/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
Servicemember |
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I have been paying my monthly payment late, not late to be reported to the credit beau rues but late enough to incur a late charge, so I have been adding approximately {$40.00} dollars to cover the late fee. The company keeps adding it to the following month and keeps adding the total late fees I owe. When XXXX complaint about this they say they can not do anything until I pay the current bill and catch up. I started with Chrysler Capital in XX/XX/XXXX and there was a problem with my account and the payment bounced, so ever since then I have been paying with my debit card to substract the payment instantly. On XX/XX/XXXX I requested to have this payment put at the end of my contract, to which I was denied because of the issue in XXXX. In XX/XX/XXXX I was able to get approved to have that payment moved to the end of the contract but I was moving to a new residence and I had the money for the deposit stolen, which led to me to fall behind on the payment XX/XX/XXXX, again. I can pay the late fee because frankly if I don't get a bad mark in my credit report I am a XXXX veteran and I pay before the 30 day late mark, but every time I bring this up to Chrysler Capital they keep telling me its the daily interest and they take their debt first, instead of the late fee. I have had finance through XXXX XXXX back in XXXX and the interest was also daily, and there was a time when a similar situation was happening and the late fee was always assessed properly. I am now at {$300.00} dollars in late fees and every month I pay XXXX ( late ) {$840.00} to {$850.00}. My monthly payment amount is of {$810.00}. I am attaching a statement ( not current ) because I am locked out of the online account of Chrysler Capital however, you can see their breakdown of fees owed and " late ''.
|
| 09/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I contacted Santander XXXX XXXX at the end of XX/XX/XXXX to talk about my auto loan that is behind in payments. We were nearing the possibility of repossession soon and I did not want that to happen. I had gotten behind due to several circumstances, one being I was suffering from XXXX and a XXXX XXXX for nearly a year. And my husbands income decreases at different times of the year and it can get us behind. I called and spoke to an agent and I had told her I would make a payment on XX/XX/2023. The payment would be {$420.00}, it was literally the only payment I could make that would be less than the full overdue amount shown on the account payment page. The payment area normally would allow me to split my payment or pay what amount I wanted. So {$420.00} was the only logically affordable amount available to me. So I did agree to paying that and it is currently pending. I went on the account page again and now I see that the lowest amount option is the monthly payment about of {$510.00} due XX/XX/XXXX XXXX The other amounts are over {$1000.00}. Normally I split my monthly payment in half and pay it every 2 weeks. Their payment options are not affordable. I would be paying nearly {$1000.00} this month if I make that next payment amount of {$510.00}. I have already paid them {$420.00}. I never said I would not pay a little more per month to get caught up or in a position to receive a deferment, but this forcing me to pay whatever they want me to pay isn't in my budget and I will soon be getting my utilities shut off if I have to try to keep up with paying nearly {$1000.00} a month to Santander XXXX XXXX. I don't disagree they want the money I am behind but this is an abusive tactic to try and force basically an extra payment a month. How is this truly helping?
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Santander consumer reported late payments to the credit reporting agencies and my score dropped XXXX points I have a car loan which was on autopay since purchasing the vehicle. I have laid ontime and paid more than the note each month I relocated and contacted Santander to update my address and change bank accts. The mgr was excessively rude to me. This was XX/XX/2022. In XXXX I was updating my budget and realized Santander had stopped taking funds out of my bank acct, reported my to credit agency. I immediately contacted Santander to find out what happened. I was notified I owed over {$3000.00} and they could remove the {$39.00} dollar late fee. I asked why was t I contacted the rep said I was phoned but no message was left, the mgr said I wasnt phoned, the rep from exec offices said I wasnt phoned because I was placed on a do not contact list. I asked who put me on that list and why wasnt a letter sent if that was the case. I asked why three different explanations. The rep said she would review the initial call from XXXX and speak with the mgr who was rude.she also said she would ensil a letter that had recently been sent out to me I never received the email and phone back to Santander a few days later. I spoke with another rep from exec office. He said it was not Santanders fault that the auto billing was ceased and he directed me to dispute it on my credit report. He said he would email my payment history to prove I had never missed a payment. I disputed and the only change was showing two 30 day late payments were previously it showed one thirty day late This was Santanders fault and my credit is suffering Once I found out I immediately made three separate payments in XXXX and another in XXXX I need some assistance to get this off of my credit reports
|
| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
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Web |
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I believe that Chrysler Capital is in violation of the Graham-Leach-Bailey Act ( GLBA ) of 1999, which prohibits financial institutions from disclosing nonpublic personal information about their customers to third parties without customers ' permission.
The selling of my nonpublic personal information to a third party, XXXX XXXX XXXX on XX/XX/XXXX was a clear violation.
The Graham-Leach-Bailey Act also places restrictions on how companies use customers private data and requires companies to establish an opt-out policy for preventing some third-party sales.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I was not given any information on how I can exercise my consumer rights in good faith.
|
| 01/10/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
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Web |
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I called XXXX ( XXXX ) XXXX after checking my account. When I left the dealership my salesman stated that I wouldn't have to pay my first payment until XXXX of XXXX. Due to that fact of still looking for financing. I said ok and left with sales receipt. In XXXX I decided to call about my payments being that I haven't received anything from them in the mail about payments or financing. When I called their customer service number with a representative stating that I hwas behind since XXXX. I was devastated because I asked the sales rep. Explaining the situation I stated that I would make a payment on XX/XX/XXXX of {$790.00} and I would make another payment XX/XX/XXXX of {$500.00}. The rep stated ok that would bring your account down from the balance. I said great and hung up. After checking my balance a couple of the {$790.00} payment I still didn't see it posted to my account so I called again asking why wasn't my payment posted? The rep stated that he didn't see it and that I should call my bank to verify. So I called XXXX XXXX XXXX XXXX on a XXXX Way call so that the rep could also hear the conversation, and XXXX XXXX the missing payment of {$790.00} stating XXXX XXXX With their number attached of XXXX ( XXXX ) XXXX on XX/XX/XXXX that posted XXXX the XXXX. The rep still said he couldn't see the monies and for me to fax to XXXX ( XXXX ) XXXX a statement from my bank with the letterhead, my account # and write the amount of the missing payment on the paper as well. The information was sent XX/XX/XXXX at XXXX, my confirmation id # is XXXX. After waiting all weekend I called Monday the XXXX and they still stated that they haven't received it and adding ridiculous fees more by the day. My proof is attached can you please help get my credit and fees taken off.
|
| 05/26/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
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Web |
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I was in less litigation with Santander Bank at the beginning of Covid in XXXX. I applied for a loan re-modification with Santander Bank that was supposed to be effective XX/XX/XXXX. I signed and notarized the loan documents They sent me and I mailed them back through XXXX. They said they received what they needed to from me but have not Followed through with the actual loan.
When I call the mortgage department, they tell me I have to speak to lost litigation, when I call lost litigation, they tell me that it has already been escalated, and theres nothing they can do because its the underwriters that are waiting to approve the loan. Since when does it take a year to approve a loan?
In the meantime, the payments that Ive been making for a year and eight months in the amount that I was told to pay is only being applied to interest, even though I am not seeing it reflected on the monthly statements I receive from them because the statements that I receive are still the original loan and not the new loan with the modification. It shows that Im making payments, but it is not applied to anything on the statement. When I ask where the money is going towards, I was told it is only going towards interest only, but I have no proof of this either because I am not getting the proper loan statements from them. I dont even have a new account number yet. The original loan account number is XXXX. I have been making payments for 20 months consecutively and should not still be in lost litigation. I am afraid to make principal payments, because I have no idea where the money is being applied. I have called almost every single month since last XXXX and have not gotten any one to help me other than them just telling me, its the underwriters theyre still waiting on.
|
| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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I was employed for 10 years at the same company. My employer passed away in XXXX from XXXX. It was a family owned business of his and his family decided not to keep it. Therefore we all got laid off as 1099 contractors no unemployment. I called Santander And told them about the passing away and how Im a single XXXX of XXXX kids Ive had two vehicles with them and I pay {$710.00} a month and Ive only got two years left of my seven year loan. I am pretty good at paying my payments on time, considering how high they are, I would say, I would rate myself that I pay time about 92 % of the time and thats just being honest. I called and asked if I could refinance they said no I called and asked if I could have a payment plan they said no I needed to pay {$700.00} right then and there I explained that I am playing catch-up from two months of bills and I dont have any help. I am trying to get assistance from churches but nobody helps with car loans And its crazy to me that after being such a loyal customer, theyre the only car loan company Ive ever been with and Ive literally been with them for as long as I can remember Im XXXX and I think I was XXXX when I first went with them Theyve messed up before in the past. I remember we all got a check because they were not paying their taxes or something of the such but it was a big loss, so Im not happy with the company because I dont really trust them but it was too much for me to try to go to a new company at the time because I owe so much with this loan, I think that they could at least work with a down payment like most credit card companies do most debt collectors do in fact, most companies I know will let you do a payment plan. Im scared to wake up and my car is gone and I get fired and cant feed my kids
|
| 11/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
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Lender is Santander Consumer, USA Purchased Vehicle Supposedly For XXXX in XX/XX/XXXX Supposedly purchased a XXXX XXXX XXXX Found out car was a XXXX when I was insuring it after the fact.
Traded in my XXXX XXXX.
My trade-in value towards new car was roughly XXXX.
Loan amount was supposed to be roughly XXXX.
Loan amount XXXX plus Tags & Registration All documents were signed digitally.
I declined ALL offers & add Ons.
I soon discovered that I had a Lemon.
I immediately tried to return the vehicle to dealership.
Dealership being - XXXX XXXX XXXX I went to return the car, which is how I discovered the dealership was officially CLOSED/BANKRUCPT I started calling every number I could find- All to no avail.
I finally received physical mail from Santander Consumer USA Upon opening the mail, I became EXTREMELY DISTURBED & UPSET - CAUSING MY XXXX TO ATTACK DAILY.
I was DISTURBED because of the amount.
The amount was over XXXX.
It was XXXX XXXX - over what I expected.
By the time I pay this loan, I will pay over XXXX for a car that only has a value of XXXX according to Car Fax.
Why did Santander pay this amount for a car that does not have the value?
There is no description on the physical mail, I continue to receive.
There is no VIN # on the physical mail, no evidence of a car loan. Just an amount.
I continue to call Santander almost daily or every other day.
I am told in no uncertain terms each time- it's not their problem.
Santander Consumer, USA seems annoyed with me.
I am overwhelmed and upset with this huge debt that I can not afford.
My research shows that on XX/XX/XXXX Santander was in problems similar to what I am presently experiencing.
I have attached such documents.
Thank you kindly for any assistance you can offer.
|
| 04/06/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
This is my second complaint against Chrysler Capital. I have tried for many years to rectify this problem. I requested the service of your agency to retrieve paperwork from Chrysler Capital concerning a lease agreement on a XXXX XXXX XXXX.
The vehicle was returned a few months before my lease agreement ended and I was supposed to receive information from the bank as to what my total balance would be once the car was back in their possession.
The bank never sent me a final bill and years went by I've called numerous times to retrieve the final bill, unfortunately, covid hit and people weren't answering the phone anymore.
When I requested your agency to get involved with retrieving answers from Chrysler Capital, this was the first time I received any response. In the reply letter that I received from them they admit that they did not inform me properly of what my balance was.
Instead Chrysler Capital decided to report to all three credit bureaus that I was delinquent in different amounts from {$5000.00} to {$7000.00}, which each credit bureau reported something different.
After I received this information I tried to contact this company by phone again requesting payment for deletion. I was advised by five different customer service reps that there was nothing that could be done and it went into collections.
My back is up against the wall I think this is extremely unfair for a consumer to not get answers for years, have to get an agency involved to finally get real concrete answers and the bank gets the privilege of reporting to all three credit bureaus that I'm delinquent but they never inform me with my final balance was. What makes this process worse is they admitted that they never informed me how is this even legal.
|
| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have made attempts to correct my credit and have been having extreme difficulties each and every time. I have currently been working with the credit agencies to have all accounts and information rectified. Currently after requesting that an investigation be done on all my accounts with each agency I am still finding discrepancies that are holding me back and have been verified. In Particular XXXX XXXX is using the XXXX platform to provide and gather credit updates and I have recently discovered that they are still reporting items and debt incorrectly. According to XXXX XXXX I have closed accounts that thy are still trying to collect on and have recorded me at $ XXXX in debt with auto loans. I do not own any vehicles. The accounts are listed as closed, but XXXX XXXX is reporting that this debt still exist even when the account itself has been closed or removed. This needs to be fixed as it is decreasing my overall credit score. Furthermore, I have disputed these debts with XXXX. I have made every attempt to fix this situation. I have spoken to several XXXX employees and have gotten nowhere. I have tried to work with the underwriting department and nothing. This has also stopped me from actually getting a loan for anything else. I cant eve qualify for a bank loan and i've been with my credit union for XXXX years. the amount of damage is ongoing and difficult to quantify.
XXXX has been less than helpful as they have verified me as a totally different person and even after updates still has all my basic information incorrect. I have made attempts o request my credit report, however because they have my basic identifying information incorrect, I have been unable to obtain copies because they can not identify me at all. Please help
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I have connected XXXX on numerous occasions within the current year of XXXX informing them that my information on my credit report such as name and address does not exists and I would like for it to be removed. XXXX has informed me that it was removed. I ran my credit on XX/XX/XXXX and the same information is being listed on my credit report that is not me or non factual.
Name ID # XXXX listed on my credit report is not my name and I would like it removed and anything attached to it be removed. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it.
Address ID # XXXX is not my address, I never lived there and the address is non existence, I would like it removed off my credit report and anything attached to it. I contacted XXXX over 5 times within the year XXXX and informed them this information is inaccurate and not me and XXXX told me they would remove it.
XXXX XXXX XXXX is reporting on my credit account inaccurate information, the balance is stating XXXX. The original creditor is XXXX XXXX, XXXX XXXX is reporting on my credit numerous times with a balance of XXXX. This same account is being reported 3 times on my credit.
XXXX XXXX XXXX original balance XXXX is reporting multiple times on my credit report. It is reporting as XXXX XXXX XXXX and also XXXX with the same balance as XXXX. It is the same company. It should not be reporting twice. I contacted XXXX and disputed this and they ignored my concern and failed to tell me why the same company is reporting multiple times on my credit report.
Santander ... In XXXX Santander has been in a repossession class action lawsuit and I would like this removed off my credit report.
|
| 11/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Santander Consumer, USA is reporting inaccurate information on my consumer report and is engaging in XXXX XXXX. There is no evidence of a debt, only an extension of credit that I am being extorted to REPAY. Santander agreed to comply with my cease and desist but has continued to speak to me indirectly on my consumer reports. The provision of the FDCPA is in contradiction to this debt collectors actions.
I went to XXXX XXXX XXXX XXXX XXXX to extend credit for personal use through my open-end credit plan. XXXX charged a discount which is a finance charge of {$16000.00} according to the Truth in Lending Act. XXXX received nominal consideration for the closed-end credit transaction. I received no benefit from the authorization I provided to XXXX on my application for credit. XXXX assigned security interest and my non-public personal information to a non-affiliated third party named Santander Consumer, USA. I was not presented with my rights under the XXXX to opt-out of the sharing of my non-public personal info. Both financial institutions conspired to extort me into repaying an extension credit. That is contrary to public policy. My reputation has been harmed with the 3 credit bureaus and its harming my ability to operate in commerce. My vehicle was stolen from a XXXX parking lot during my XXXX XXXX Exam at about XXXX on XX/XX/22, two days before XXXX. My cell phone was still in the car so I tracked it to XXXX XXXX XXXX XXXX XXXX in XXXX, TX. I am being punished for non repayment of an extension of credit and extortion is racketeering activity. XXXX willfully advanced property as a loan, by unilateral agreement with no mutual assent, and knew their purpose was to make an extortionate extension of credit. See 18 USC 891-894.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I disputed these accounts several times now and it's been almost a year since I stated these accounts are incorrect, erroneous, and invalid.Even the Account number is inaccurate and incomplete for the Santander account. I also requested documentary evidence from the credit reporting agencies showing me proof that I owe this debt with the account number that's been reporting and everything is completely inaccurate and what's being reported isn't my account this inacurrate account isn't mine and I proven that as clear as day also provided support documents and Santander Consumer USA, XXXX, XXXX, and XXXX have been subject to disregarding the Fair Credit reporting Act FCRA also fair and accurate credit transactions Act and 15 USC 1681eb- Compliant Procedures and all the credit reporting agencies I listed have been incompliance disregarding federal laws.Infact I was a victim from Santander XXXX XXXX when they were unlawfully given out subprime autol loans with ridiculous high interest rate with high monthly payments and loan terms with an XXXX credit score with 724 monthly payment for a XXXX vehicle and I actually called them when they had the class action suit but they lied and said I were wrong when I met all criteria of their unlawful actions but of course I was told this from Santander XXXX attorney also there's 4 accounts with the same inaccurate numbers and also incomplete on my credit file for XXXX reported by XXXX another inaccurate reporting is the XXXX XXXX Bank account and that's been paid of years ago and I were never late also paid early or promptly on time and paid it off completely. So Have that account corrected as never late and paid as agreed and always on time or you can delete that as well.
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Dear Sir/Madam, I am writing to bring to your attention an instance of identity theft that has had a serious impact on my personal finances. An auto loan was taken out in my name on XX/XX/2018 through SANTANDER CONSUMER USA, without my knowledge or consent. I am certain that I have been a victim of identity theft, and I need your assistance in investigating and rectifying this matter.
I discovered this fraudulent loan while reviewing my credit report. This loan has negatively impacted my credit history and score, causing significant distress and inconvenience.
Upon discovery, I reported this fraudulent activity to the lending institution SANTANDER CONSUMER USA and spoke to the following agents ( name and employee numbers to follow ) : XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Despite my efforts, the issue remains unresolved. I will also file a report with the local police department and the Federal Trade Commission 's identity theft department and have taken steps to safeguard my personal information.
I am in the process of disputing this loan with the credit reporting agencies but believe that this issue requires a thorough investigation to prevent the recurrence of such fraudulent activities.
I respectfully request the Consumer Financial Protection Bureau 's assistance in rectifying my credit report, investigating the fraudulent activity, and ensuring that such breaches of consumers ' financial security do not occur unchecked.
I understand the seriousness of identity theft and appreciate your time and effort in handling my case. I look forward to your assistance in resolving this issue and bringing the perpetrator to justice.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XX/XX/XXXX It is my understanding that per XXXX XXXX XXXX ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.
You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX & XXXX ) and update the account to positive.
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
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| 10/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company communicating payment assistance or payment extension options
|
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Web |
Older American, Servicemember |
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i contacted Santander Consumer USA first either XXXX or XXXX week of XXXX and conveyed that my daughter had a severe medical condition that required emergency intervention. She currently is uninsured so i helped with those expenses that were close to XXXX XXXX I had given them an arrangement that i was not positive i could keep yet they still notated the account. Due to these expenses we fell behind on everything. My daughter was misdiagnosed XXXX times and has only started feeling better XXXX last XXXX weeks. end of XXXX i called again to discuss missing payments and what kind of help they can actually offer other than just notating the account, which is all they ever did by the way.. Currently we have defaulted on XXXX payments and we do not qualify for any assistance because we are too new. We havent been established enough with the company so our hardship means nothing. I have explained that yes i can afford to pay the loan, that doesnt mean i have an extra XXXX lying around to catch up. I received a right to cure letter stating i had until the XXXX of this month to settle the debt so i contacted them to let them know the best i could do is pay them XXXX month today. Then another month in 14 days and then another payment on the XXXX of XXXX. I was told that was fine. I scheduled my first of XXXX payments yesterday as promised and they deleted payment and didnt credit my account. Theyre now refusing to help and refusing payments. Worst company i have ever dealt with and if i had read reviews beforehand, id never have said yes to this loan but we need this car and im getting a run around and i dont trust them. I dont even know if anyone can help me but if you can please try. Much appreciated.
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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A notice was recently sent to this company for multiple FCRA violations. The company responded that all information has been verified and that there are no inaccuracies to report while providing no proof of their findings.
I have attached a copy of a report from the CRA 's showing at least 5 areas where the information is inaccurate. This is the bare minimum of violations this company has committed. According to law, all credit reporting agencies must show the same information and all info should match across the board. It is the responsibility of the furnisher to be sure all information is the same, otherwise ANY difference is considered an inaccuracy and the entire report must be removed.
The inaccurate information has caused harm and damage to my ability to get housing, transportation, work and credit in order to establish a comfortable way of life. This is in direct violation of law as it is harmful and abusive.
I have never received any notice from this organization stating my ability by law to opt out of anything. I have attached an opt out notice, that states, I am opting out of any and all authorization, I the consumer, may have given Santander Consumer USA written, unwritten, verbal and non verbal per 15 USC 6802 and 12 CFR 1016. This opt out notice INCLUDES ALL CRAs.
This is my last effort to reach out to this organization to provide remedy for the harm and damaged caused for the laws that they are continuously violating. Remove this account from my credit report, provide remedy for your inaccuracies or Im left with no other option than to file a FTC fraud report, audit this consumer account and take legal action in federal court for the violation of laws and securities fraud.
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| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
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Web |
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In XXXX of XXXX my husband and I entered into a loan agreement with Santander Consumer USA for our XXXX XXXX XXXX. We decided to refinance our loan a year later and completed the payoff process through the refinance. We contacted Santander at the end of XX/XX/XXXX and inquired about our gap cancellation refund. We were advised to reach out to our dealership because they had no information on our gap insurance. We contacted XXXX XXXX XXXX who informed us that a check was issued to Santander on our behalf on XX/XX/XXXX, and that we needed to get our refund from Santander. We reached out to Santander again last week XX/XX/XXXX and the agent advised us that they never received any gap cancellation payoff from XXXX XXXX. I then emailed the check from XXXX XXXX XXXX showing that it had been sent to Santander. She then advised us that the accounting department would have to investigate and to call back in about a week. We called today XX/XX/XXXX to follow up and was informed that the accounting department shows that they issued a check to us on XX/XX/XXXX in the amount of {$630.00}, check number XXXX. I advised the agent that not only did we not receive a check but why would you issue a check with the same check number our dealership sent you. Apparently, the investigator is reading their payoff as a check that was issued to us, when in fact the check was never issued. We asked for an image of the check, Santander could not provide us with one. We inquired on a reissue and the agent said that it could not be reissued because it is showing as paid. When in fact it was never issued or mailed. We asked to escalate the issue to the executive level and have been dealing with issue for almost a year now.
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| 06/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
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Web |
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Over the past few days there has been violations of The Federal Equal Credit Opportunity Act which specifically prohibits a creditor from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided that the applicant has the capacity to enter into a binding a contact ) because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
I have been contacted, harassed, intimidated, withheld my right to login into my Santander Account on http : //myaccount.santanderconsumerusa.com/ on Friday, XX/XX/2023, and then was called at XXXX XXXX. ( CT ) today, Sunday XX/XX/2023 while I was literally in Church. Worst of all, the intimidation, targeting, harassing phone calls etc. have actually happened after my phone call made XX/XX/2023, in which I mentioned my faith and that I had even prayed about the decision. Since that time I have been harassed multiple times and intimidated by Santander. Again, this is after I had mentioned my Faith and prayed about the decision XX/XX/2023 to Santander.
This is in direct violation of The Federal Equal Credit Opportunity Act and is intentional and deliberate by Santander, Consumer Financial Protection Bureau. Please take authoritative, prosecutorial, and protective action immediately! I have rights.This is illegal, and it is predatory Consumer Financial Protection Bureau. I am afraid because I am a minority, and being bullied and exploited by my creditor because I mentioned my faith Consumer Financial Protection Bureau. I beg you to protect me and help; please.
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| 08/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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I sent an email to Santander notifying them that I had changed hazard providers on XXXX and provided them with a copy of the evidence of insurance and paid in full binder. I received a letter from Santander on XXXX stating that they had received my new insurance information and sent payment to the provider. I called and spoke with XXXX who told me that they would put a stop payment on the check and reimburse my account since it was already paid in full. Once complete, he was supposed to send me an email. I just looked at my account details and something is amiss. My account makes no reference to the funds that were disbursed to my previous hazard provider on XX/XX/XXXX in the amount of {$1900.00}. In addition, the incorrect disbursement to the new provider on XX/XX/XXXX, which was supposed to be reversed, is still present. Also, the refund from my previous provider is noted as received on XXXX amount of {$1700.00} ; however, my agent informed me that the refund sent to Santander was for $ XXXX leading to a {$10.00} discrepancy. I would like my escrow account audited for accuracy, with a full account of debits and credits sent to me. In addition, since I paid for my current hazard policy in full, and Santander has received a refund for my previous policy, I would like an escrow account analysis completed with the overage sent to me.
I previously submitted this complaint and Santander responded that this does not belong to them. I pay my mortgage on Santander banks website. My statements come on Santander letterhead. When I call, they answer Santander Bank. I know Santander hired dovenmule to sub service for them but they are the master servicer and are ultimately responsible.
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| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX I wrote a letter to Santander board of directors and management team letting them know that they are reporting and attempting to collect an alleged {$16000.00} deficiency balance. I told them that I am disputing the legal validity of the alleged deficiency balance. I also told them that they are attempting to collect a deficiency balance that I am not obligated to pay. They have not provided me with the required notices before disposition of collateral and explanation of calculation of deficiency as required under the law. I told them to cease and desist all collection activity, including all credit reporting. I also requested the deletion of all any credit reporting to credit reporting agencies. I told them to write or email me to confirm their compliance with my demand within 14 days. As of today XX/XX/XXXX. I have not receive any correspondence or communication from them.
Also Santander settled a class action lawsuit with over 34 different states and part of that settlement was for them to delete erroneous inaccurate information from of the customers they took advantage of, credit report. I am one of those customers. As of XX/XX/XXXX Santander is still reporting erroneous inaccurate information on my credit report. Please see details of the class action lawsuit settlement here https : //santandermultistateagsettlement.com/Home/portalid/0 Santander continues to violate the fair credit report act even after the consent order you issued against them back in XX/XX/XXXX https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/
|
| 11/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I have been in dispute with Santander over an alleged fraudulent " debt ' and unvalidated contract for over a year. The account was charged off and yet the balance has been reporting on my credit report without my written consent. On XX/XX/22, I sent a money order remittance coupon via certified mail in the amount of {$14000.00} to be accepted for value, quoting 12 USC 411, 18 USC 8, HJR 192, UCC 3-104 and UCC 3-603 as the basis for payment choice. Along with the payment, I sent a notarized letter explaining my method of payment and instructions on how to apply it. I received no response or update to my account. On XX/XX/22, I sent a live notarized HANDWRITTEN letter, via certified mail, further disputing the current amount " owed '', along with a live notarized affidavit Notice Of Billing Error pursuant to 12 CFR 1026.13 and exhibits displaying the current payoff quote had not reflected my payment. I received no response. On XX/XX/22, I sent the CEO, XXXX XXXX Department, and Legal Department at Santander Consumer USA XXXX XXXX, ( the parent company to all of the Santander subsidiaries ) the official live Certificate of Non-Response Notice To Cure, as authenticated by the Secretary of State of Texas. I also sent copies of my previous mailings and letter requesting my account be updated immediately to avoid further legal proceedings. Every document sent throughout the process has been live, stamped and autographed. As the consumer, lien holder, authorized representative and beneficiary of the social security account used to open this fraudulent debt, I'm outraged at the blatant dishonor that Santander Consumer USA Holdings Inc and all of its daughter companies have displayed.
|
| 09/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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I purchased the vehicle XX/XX/XXXX used online from XXXX dealership. I arrived at dealership received keys signed and left. Within 45 days the car began to have problems. First breakdown was in Utah since I had a warranty I used that to tow the vehicle to dealership they fixed. I work for door dash delivery so was stuck without a vehicle for days. Contacted bank they said it's fine just make payment don't worry if late. XXXX was bad gas was too high fell behind on payments. XX/XX/XXXX through XX/XX/XXXX transmission was gone. I was stranded in California for a month waiting for warranty to kick in. Can't work again and now borrowing money for hotels, food and transportation because warranty only covered XXXX. Went to AZ for a job offer and on XX/XX/XXXX car was gone. I contacted local police they told me was repossessed. I attempted to contact Santander to receiving no replies, documents by mail, or personal property in the vehicle. I checked my credit XX/XX/XXXX it said Santander wrote off the loan then this month I checked credit again and loan was reduced to XXXX from XXXX so basically I guess the car was sold for the difference. Now my credit is ruined because the car was a lemon that had over XXXX different owners I didn't know this until later. Santander Bank has reached a {$550.00} XXXX dollar settlement with XXXX states to settle predatory loan charges to low-income and subprime customers. This was absolutely a predatory loan and second they failed to return my property or provide me any documentation. I worked for XXXX and my other vehicle brokedown so I needed a car. They never even asked for proof of employment I thought it was my XXXX credit score that helped me.
|
| 07/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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On XX/XX/XXXX At approximately XXXX a person came banging on my door stating they were the REPO company for Chrysler Capital and to remove my belongings immediately. I didn't understand why this was happening as i had NEVER received any letter or mail stating I was to get my vehicle repossessed. I did not receive anything from the men who took my jeep no type of paper work no type of info on where they were taking the vehicle, The repo company took my XXXX XXXX XXXX XXXX not before they struggled to get it attached to the tow truck, I knew it looked very wrong. I couldn't contact Chrysler Capital due to the time of day and they had been closed and would not open until XXXX the next day. On XX/XX/XXXX at approximately XXXX the same person from the repo company came to my door and stated THEY ( Chrysler Capital ) told us to return the vehicle so consider it a blessing! This was so odd that i called Chrysler capital and they are now stating they have NO DOCUMENTATION on the this happening. I also informed them i had all this on my XXXXXXXX XXXX XXXX. I've called numerous times trying to get an answer and still they do not have any documentation that this even happened. No my XXXX XXXX XXXX is not running properly it is now jerking whenever I first press the gas pedal after a stop and my passenger side seat feels as if it is off track. I need this issue fixed immediately as my lease still has 6 months left and I am afraid it will break down on me while driving. I spoke to a supervisor who stated he could not do anything for me as they had no documentation about the repo! Again I have ALL THIS on my XXXX XXXX even the repo people stating it is CHRYSLER CAPITAL .... PLEASE HELP!
|
| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I was divorced and had to place my car in bankruptcy, I didn't want to lose it. Covid-19 hit us and during that time the trustee for bankruptcy was sick and then passed away. The temporary trustee asked that I pay a lump sum of $ XXXX in XXXX, I could not. I then got cleared of bankruptcy and called Santander in XX/XX/XXXX to work out a settlement, in which they did and it was reasonable. I also asked if they could lower my monthly bc I was struggling with the {$490.00} that was issued to me in the settlement, Santander declined to lessen my monthly payments. I was then furloughed by my former job by 10 hours in XX/XX/XXXX. I constantly called Santander and told them I was struggling and asked to lower my monthly again but to no avail.
I made less payments bc I could not pay with less pay, food prices soared, gasoline went up, all utilities did as well and my rent increased as well.
I got an interview with my current employer, another bus company.
I gave my former employer 2 weeks notice and he held my checks. I had no money for rent, car, food, gasoline and I had been working at another job but had to wait 2 extra weeks for pay, so 4 weeks without pay at that time.
I was constantly calling Santander and told them I would be making larger payment XX/XX/XXXX when I have pay day. They repossessed my car XX/XX/XXXX. Santander did not warn me, did not submit a letter of repossession, Santander was cold and deceptive in not being honest about my car being fine until the following Friday which was my full pay day. Very unfortunate of this loan company for hard working people like myself, who deserve a second chance and patience knowing the situations at hand.
XXXX XXXX
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| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I purchased a XXXX XXXX from a company back in XXXX. Right after I purchased this vehicle, the company closed and was sued for fraudulent activity with obtaining loans. and giving customers overpriced, upside down loans. ( XXXX XXXX ) This company suggested I take the loan offer Santander. The price was roughly XXXX for a XXXX XXXX XXXX.
I was hit by a drunk driver and my vehicle was totaled in XXXX. My insurance company submitted all of the paperwork to them for the account to be paid and properly closed.
A few months went by, and I noticed Santander reported wrong information on my credit report. Not only did they report I owed the original amount, but they listed as a REPOSESSION! They have failed after several attempts to respond to me.
I was contacted and included in an action lawsuit with this company and received a {$200.00} check from them. The day I received the check, I called to remind them that the wrong information was still being reported and causing me great hardship. On some instances this is showing as a repossession on my credit! It has been tough for me to get another XXXX recently and I been denied trading in my vehicle or purchase another one because of this.
It is now years later, and this company WILL NOT RESPOND. They keep putting " updated " as a resolution with no solution offered or action taken. This is ruining my credit and I need it removed with proper documentation. I called them to get a correct address for the specific department I was told can assist me. I was told the address is incorrect, when attempting to mail them a letter on XX/XX/XXXX. The clerk gave me what she had for them and as always, I requested a tracking number.
|
| 04/12/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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|
Web |
|
|
I am writing in regard to my line ( s ) of credit with Santander Bank. The first issue is why I received the approval in the first place. I was only earning {$100000.00} and had zero assets and the bank approved me for two lines of credit totaling {$50000.00} in my 20s. I now believe this to be predatory lending.
In addition, I have had many issues making payments. I went into the bank with my parents and we paid {$15000.00} toward the loan with the {$15000.00} balance. The bank then immediately closed this account- later claiming I requested the closure - damaging my credit. This was not a request I made at any point to close the account.
Then a few weeks later they closed the second line of credit with {$25000.00} owed and charged it off. This account now sits in their internal collections office- where they collect the payments + interest and penalties.
Please note I also have a credit card and a third line of credit with them. Santander then proceeded to shut off my access to online banking making it impossible to see the balances of any of the accounts online or to set up auto-pay.
I have made payment arrangements- for the first few years, they had one group that collected a lump payment from me that Santander Bank applied across multiple accounts. Then without any indication that had changed, they split this up into different payment groups. I continued making my payments assuming they were being slipt up. There were not so Santander Bank on top of all of this caused me to have 12 late payment marks on my credit in spite of the money I was paying them.
This bank has single-handedly destroyed my credit and my life. They should be held accountable.
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Sincerely XXXX XXXX
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I leased a XXXX XXXX XXXX XXXX through Chrysler Capital in XX/XX/XXXX. The vehicle was involved in an accident on XX/XX/XXXX which resulted in the vehicle being a total loss. My insurer XXXX paid off the balance of the lease and sent me the remaining amount as the car was valued at more than the balance of the lease. The lease balance was satisfied and the account was closed. Since then, Chrysler Capital has reported that the lease was satisfied and closed as of XX/XX/XXXX but in the remarks section it states Early termination ; Insurance loss. As a result of this remark, my credit score dropped by almost XXXX XXXX and I have been denied credit from several banks as they stated I have a serious delinquency on my credit report. After further investigation, it was determined and shared by the banks that the reference to an early lease termination is considered a derogatory remark, comparable to a repossession or numerous late payments and it should only be reported as a total loss and not early termination. I have spent countless hours on the phone with Chrysler who claims they cant fix it even though its wrong and negatively impacts my credit and according to XXXX, even though its wrong and now considered a negative item on my credit report, they cant remove it until Chrysler updates their reporting. I am basically stuck in a circle of finger pointing and unable to have my credit report fixed. Every bank and credit agency says its wrong but Chrysler wont remove it or update the remark so it doesnt continue to impact my credit score for the next XXXX XXXX. I have no where else to turn at this point as Ive exhausted all efforts thru Chrysler and XXXX.
|
| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
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I got a loan for a vehicle XXXX in XX/XX/2022, my first payment was due in XX/XX/2022, I paid it a month early and after this, they proceeded to mark me as late payment, my interest rate as spiked over the agreed interest rate and also dropped and raised again without being in agreement to any such interest rate spikes or regressions. Since the purchase of the car, I have made a total of 15 payments, totaling in at XXXX. The total amount I presently owe towards the car is XXXX, which means out of 15 payments of XXXX only XXXX has actually gone towards my principal. The remaining XXXX has gone towards interest. Not only has this lender been actively engaging in predatory lending they have also proceeded to incessantly call me two times a day if not three, as I had a change in work last year and I fell 1 payment behind, but had caught up 2 months later. I called the lender upon changing jobs and informed them that I wouldn't be able o make the payment that month and that I would plan on making it the following month, which I did. They have since then incessantly harassed me, locked me out of my account several times so that I would call them, Refuse to email me the terms of the loan agreement, its also not available anywhere on my login account on the website. They have also been reporting the history to my credit inaccurately resulting in my credit dropping around 150-100 points and the loan indicating I still owe XXXX on my credit, making It appear as if Ive made no payments resulting in a low XXXX score and credit score.I feel like these practices are absolutely illegal and I am seeking guidance in proceeding forward with these issues, thank you
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company.
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS.
2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.
3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.
4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.
5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.
6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.
To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX REF : Santander Consumer XXXX To whom it may concern : The account was verified as accurate, and I am confused as to how.
Santander Consumer XXXX I have disputed several times with Santander under FCRA 623 to correct or remove its inaccurate reporting 's from my consumer reports. I hereby DEMAND removal of the account in its entirety. I will be forwarding this request to the XXXX and to Indiana State Attorney General and the Texas State attorney Generals office for Santander 's negligence in correcting this information and thus fulfilling its duty under FCRA as a furnisher of information.
I previously requested that Santander stop reporting this account as open. The account status is inaccurate and inconsistent across all bureaus. The account status for this account is still being reported to XXXX as open but it also being reported to XXXX as Charged off.
The fact that Ive submitted XXXX direct disputes with Santander, and they still have failed to correct their reporting is outrageous and a serious flaw in their responsibility to ensure maximum possible accuracy. Santander will and has tried to shift the blame to the CRAs but the CRAs are reporting what Santander has inputted into the ACDV.
This is formal notice of intent to sue unless this information is removed from any entity in which is has been reported to. Correction will no longer suffice! I will also be asking that this and the previous CFPB complaints be submitted to the CFPB Ombudsman office, as Santander is already under violation and a consent order for these very things.
Sincerely, XXXX XXXX
|
| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
n XX/XX/23 I paid the balance of a credit card with a {$5000.00} limit, then on the same day Santander bank sent me an email about possible fraudulent charges, At this time the charges were pending and I called the bank and told them that I did not authorize the charges, they said no problem, we will remove the charges, deactivate the card, and issue a new card..
On XX/XX/23 I checked the card balance and found that the unauthorized charges went from pending to completed, so I call the bank and they said they knew nothing about the call or email on XX/XX/23 even though a new card had been issued by this time, but they will fix this matter by opening a complaint which will take 90 days to complete.
the amount in question is 5 charges for XXXX totaling {$4300.00}.
I then asked how the thief knew the balance was near XXXX so as to charge the card to the limit, they could not answer, but this could only happen with internal information at the bank, by the bank itself, or an employee stealing, but either way, the bank is at fault.
I asked the bank who requested the charges, what state is the business registered in, what is their legal name, what is their contact info, what bank receives the funds from the charges, and what product was purchased, or anything other than an obviously fake description the charges, the bank would not answer any of these questions.
It is quite clear that each phone call follows a pattern of long waits, and then a run-around about the incompetence of the person on the previous call, and then an assurance that the matter will be resolved, but the matter is never resolved regardless of how many calls are made.
|
| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. XXXX XXXX : XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
After I submitted this initial report the account mentioned above has now added an additional late payment. So now I have two late payments on this account when the account was closed in XXXX. Chrysler Capital did not process my refinanced check in a timely manner and now they are acting with malicious intent by adding an erroneous late payment. Further more, all investigations into this account have proven that this information is inaccurate. Chrysler Capital did not add my refinanced payment to my account and this resulted with my account being flagged as late because Chrysler capital 's inability to process refinanced checks in a timely fashion. This is has caused unrelenting stress upon myself and my family and has caused great turmoil.
|
| 05/29/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
My complaint here is with Santander Bank in XXXX XXXX XXXX. The corporate office is in XXXX Massachusetts. I filed a complaint first in the late fall XXXX with this federal government agency about this bank stealing {$550.00} out of my checking account without my permission or authorization. However after filling this complaint here, this complaint has not been resolved by you even though I have asked for follow up on what you were doing about getting Santander to put the money back into my bank account. Still waiting for a reply on this original complaint. As a result of this complaint, Santander Bank put a block on my account and froze my funds for no reason and to date they have refused to remove the block giving no access to my account. I recently in this past week checked my account and my account is still frozen and blocked not allowing me access for withdrawals from my account. I need help!! I need my money. The block was placed on my account in XX/XX/2022 to date. But during this time, Santander Bank has paid from my account other unauthorized charges out of my account without notice or my permission!! Santander Bank continues to steal money out of my account because you have failed to take any direct action against the Bank to resolve my complaints against Santander Bank. I also want the money bank from the bank over many years paid to a company called XXXX XXXX XXXX Please give my complaints against Santander Bank your immediate attention. I need my money in my account released with a view towards closing my account with Santander Bank because of their abuse and misuse of my funds being used to pay their bills. XXXX XXXX
|
| 05/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander Consumer USA failed to accurately report payments made on the loan. The company charged off my account, repossessed my car and did not allow me to pay a fee to get my car back. They told me I had to pay the full original amount of my loan.
Due to the pandemic I had some financial troubles and my account was noted affected by natural disaster from XXXX XXXX.The company violated the CARES ACT which requires that lenders continue to report the account as current : " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the account as CURRENT. My account was in good standing prior to this. During the pandemic I still was made payments however the company failed to report the payments as a whole or inaccurately reported the payments keeping my balance the same.
I disputed the inaccuracies and the company failed to accurately update the i
nformation that they reported to the credit bureau 's. Santander Consumer USA violated the 15 USC code 1681eb, the Dodd-Frank Wall Street Reform and Consumer Protection Acts prohibition against unfair, abusive, or deceptive acts and practices such as sloppy record keeping, carelessly reporting inaccurate balances, and illegally repossessing automobiles due to negligence of inaccurate record keeping. The Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are requires you to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified
|
| 02/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I received a text for a work from home opportunity on XXXX XXXX XXXX XXXX. I was told to email a guy named XXXX XXXX through XXXX to get the job process started. I downloaded the XXXX app and started messaging the guy named XXXX XXXX. He informed me about the company and the job responsibilities that I would be doing. He sent many interview questions for me to answer in order to determine if I was a proper fit for the position. I answered all the questions then he gave me a score of XXXX. I got offered the position as an XXXX XXXX XXXX. Fast forward, He said the company provides the equipment for the job but I would have to receive checks from him in order to send them to the vendor to receive the equipment. The first check was for {$2300.00}. He told me to print out the check he sent through XXXX and then deposit it to my account. I did that then he said send {$1000.00} to the vendor. I did that then he said send {$1200.00} to the same vendor. I also did that. Day later, the bank said the {$2300.00} check in fake. But before that, he sent me another check for the amount of {$2000.00}. I found out today that check is fake as well. Now I owe my bank for the first check. The amount is {$2200.00}. I don't have that to pay back the bank and also it is not my fault. The second check was caught before I was able to take any further action. Thank God! XXXX is not helping me at all. They say I have to go through the actual bank to settle this matter. Santander is giving me a difficult time and they told me it usually very hard to get money back when involving XXXX Documents : I have much more evidence to provide but can't at this time.
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Inaccurate Credit Reporting ( 15 USC 1681s2 ) I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information.
Account Number : XXXX is reporting a past due amount of XXXX DOLLARS when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing of XXXX DOLLARS on my consumer file. This is beyond foolish. This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. I'll be taking this as willful non-compliance by you the furnisher, and pure negligence against me the consumer as you are NOT following reasonable means to assure the maximum accuracy of information in my consumer file. Please provide me with the return of the time and form as prescribed by regulation or the Secretary of my name, my address, my TIN, the date, and amount of the discharged/charged off debt and any other information as prescribed by the Secretary. If not, then I would demand that the account be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.
|
| 11/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The three major Creditors has not followed TX state regulations. Creditor also continues to report erroneous and inconsistent data on my consumer profile. This account was initiated without my knowledge or consent due to identity theft. Credit history shows this auto was repossessed as collateral to satisfy the loan. In Addition to this violation all repossessed collateral according to state regulation satisfies the outstanding debt. Once the loan is defaulted No interest is able to accrue after repo. Not only did this company not adhere to state requirements and regulations, but they also have decimated my credit profile with their incorrect and inconsistent reporting. With the help the DMV online auto history to demonstrate the sales reports ; Auto was reported at auction on XX/XX/2021 and XX/XX/2021 then registered with TX DMV on XX/XX/2021. Unreported surplus sales history not reported purposely to cover history of transaction to be applied to the outstanding balance reported. I disputed with all three major Credit Bureaus who responded that the information reported meets FCRA Guidelines. All three major Credit Bureaus Has failed to conduct a full and thorough investigation, which is another violation of my rights. Therefore I will also hold the Credit Bureau accountable for allowing the creditor to furnish them unfactual inconsistent data. A HUGE violation of my consumer rights is Chrysler Capital continuously aging of debt and unable to review account on their online portal. A message states a login has been created, nor been able to reset login with my information ; No emails are received to my emails to reset login.
|
| 09/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XXXX I took an auto loan out for the purchase of a XXXX XXXX XXXX from Santander Consumer company. I made payment on this vehicle for 2 years. XXXX I had fell into some hard times with a move I made to Arizona. During this time my car ended up being approximately 2 month behind.
Santander Consumer then made a threatening game of chain calling mine and my wife cell phone in hopes of obtaining money we owed. We would make agreements with them and sometimes pay them hundreds of dollar at a time. I recall an instant that I paid this company XXXX and they chain called me the entire rest of the day.
My father was also involved in this. My father would lend me hundreds of dollars out of his bank account to pay them. In-fact my entire family was paying them right along with me. So eventually I sat in my fathers kitchen he lent me XXXX. I paid them in less then a week the car was gone I believe that the entire repossession was unlawful. They could have told me they were going to take the car instead of getting thousands of dollars. Through this scam they had going.
I feel like I had been treated unfair. This company since the vehicle was repossessed has sold the remaining balance of the loan to some company. The car was sold I heard they kept our property. And now they want XXXX for a car they forced away and have back to the point where the vehicle is already been sold for the last 5 years.
I spoke with my attorney " XXXX XXXX XXXX XXXXXXXX about the situation. The referred me to your bureau and said you might be able to help. I have bank statement, my father willing to speak along with my wife. My attorney can also vouch.
|
| 10/18/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
On XX/XX/XXXX through the XXXX I was charged from numerous international companies in small amounts, all documents attached below, and some large amounts all. these companies continued to charge my account even after I had called the bank and reported the false charges. The bank has stated they have sent me a text message on XX/XX/XXXX but that had nothing to do with these charges. The bank waited until the XXXX to send a alert to me stating there had been fraud which I replied no to, they then followed up with a message saying they would contact me back which they never did, I called them a hour later and they told me my debit card was hacked and the account was secure. I continued to receive charges up to the XXXX even when pending charges, they let the charges continue. each time I called back was a different excuse, and the phone recordings as they stated will show so. Ive recently called back asking about XXXX XXXX liability and them telling me they escalated the case ( when they told me I would get a call back in 3 business days ) and they denied even having zero liability then not being able to do anything about it, and the escalated case was entered incorrectly and its going to take another 7 buisness days. Every time I call there's a new excuse and they need more time. I have filed a police report and I will be contacting a lawyer, but this is very stressful as it was close to {$4000.00} and they denied the provisional credit and the cases. They keep stating, after lying and giving odd reasons about my debit card being hacked, that it was now used on my phone, even though all these charges were international.
|
| 02/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had purchased a car on a 72 month agreement for a XXXX car that I put XXXX down on thru a dealership. Being as I didn't have credit, I had to accept the highest intrest rate of 29 %. My payments were XXXX a month, which I paid as agreed on time for 18 months. One night I sat down and actually read thru the agreement, did the math and realized I had agreed to pay roughly XXXX for a XXXX car that I put XXXX down on, so... I made the decision to make more on my monthly pqyments by paying XXXX instead of the XXXX each month to get the principal down as quick as possible. I even made a XXXX payment one month. 18 months later, I get in a minor accident but insurance totaled my car. So they paid the balance and I received a check for XXXX.
The loan was for XXXX. 18 months later ( XXXX ), my balance was XXXX. I then paid XXXX, XXXX, XXXX, XXXX, and XXXX before the accident at which my balance was reported as XXXX. The amount paid by the insurance to the lender XXXX. This is all sitting here in front of me on my credit report. They literally just sat on all the extra payments and did nothing ... Now I'm not sure what's more XXXX XXXX, the fact that they didn't apply the payments towards the principal or that they didnt notify me or refund my money back.They should of done something... Either way that's super sketchy business practices and I wanted to report it. If I'm misunderstanding something or if you need more information to verify the information above, please let me know. The XXXX was Santander and the dealership was XXXX of XXXX... Both of which I will avoid in the future and would encourage others to do the same.
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To Whom it May Concern, I am a widower, who struggles to provide for his Heirs dude to what appears to be unfair practices by the organizations listed in this complaint. I have tried to resolve this matter by getting the accounts verified, after receiving a credit report full of inaccuracies. I am currently seeking a remedy to help me provide the right and fair condition for my family well-being.
Are you familiar with : The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies?
These accounts are in breach of my rights and the law. ( According to the Universal Declaration of Human Right ) Article ( 7 ) " All are equal before the law and are entitled without any discrimination to equal protection of the law. All are entitled to equal protection against any discrimination in violation of this declaration and against any discrimination and against any incitement to such discrimination. Article ( 12 ) No one shall be subjected to arbitrary interference with his privacy, family, home or correspondence, nor to attacks upon his honour and reputation. Everyone has the right to protection of the law against such interference or attacks. Please investigate these accounts and hold any entity in breach of these laws accountable. Looking forward working with you to resolving the matter. In this society one thing is for sure is credit because there is no money XXXX so how my credit is impacted is important that it is accurate and remain in good standing.
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX XXXXXXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries.
XXXX Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX Santander Consumer USA, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXXXXXX, XXXX XXXX ( XX/XX/2022 )
|
| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/28 the vehicle was repossessed from my home. I woke up to go to work at XXXX and noticed my vehicle was not there. I was told by an agent at the bank that after paying 2 payments a few days prior to get the loan caught up due to financial hardship that I could pay the remaining payment the following week. After making the payments the lender still hired a 3rd party debt collector tow company to repossess the vehicle. I called the bank and informed them of our agreement and they said it is out of there hands and they would do nothing unless I paid the entire amount. Due to this unlawful repossession I was unable to attend work that day and had to take off the next day to pick up my belongings from the vehicle. This has caused much stress and anxiety. The lender and the repo company both violated NC law. North Carolina General Statutes Section 25-2A-207. North Carolina General Statutes Section 20-77 states that : Before a vehicle can be repossessed, the debtor must be provided with written notice of the intent to repossess, which includes information about the debtor 's right to cure the default and the amount necessary to do so.
The debtor must be given at least 10 days to cure the default. I never received a notice prior. From the lender-santander or the repo company XXXX XXXX XXXX located in North Carolina at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the lender-Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is an urgent matter and the vehicle may be sold within 10 days I would like to resolve this matter as quickly as possible.
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This is a formal request for the details of the procedures used to determine the accuracy and completeness of the information in dispute because you told me you verified the accounts and that they belong to me but have not provided proof. It is scary to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected, as well. Having this type of information on a persons credit report is unfortunate and severely damaging but having incorrect damaging information on a persons credit report is unacceptable.
The following accounts don't belong to me at all so please look into this for me.
SANTANDER - XXXX - Last month I sent you a letter stating that this needs to be looked at. I see no proof of an investigation done at ALL! There are XXXX different activity dates being reported. Investigate this account and provide proof it was done! Remove this inaccuracy from my credit report or I will sue! I do not know what this is. Please investigate and remove from my report.
XXXX - XXXX - Last month you stated that this is reporting accurately. However, I see XXXX different activity dates being reported on this account. Show me the proof that this is actually my account otherwise delete this from my credit report.
I am requesting a detailed explanation of how you received these specific responses.
Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account is incorrect and needs to be deleted. Please send me a corrected credit report along with the description of your investigation.
|
| 01/10/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
XX/XX/2022, I applied credit card at XXXX Santander with XXXX XXXX Relationship Banker, I never received the credit card and I reported from the beginning lost it, but the Manager XXXX XXXX said to give it more time for the Credit card and not action was taken over the credit card. I reported not having access to see the account in my mobile app, they said they will call back but never heard back from the Bank. The credit card was supposed to be mail to my address but was received at XXXX XXXX XXXX XXXX NY XXXX that was my old address. XX/XX/XXXX I was able to see the credit card account through my mobile banking and found out that thousands of dollars of fraudulent purchases since XX/XX/2022. I reported XX/XX/XXXX to the main phone number of XXXX Santander the fraud and theft the instructed me to wait for the response. After that, I went to the branch directly many times and case was consecutively closed due to incongruencies, and finally the XXXX XXXX Bank told me that nothing else can be done. During this ordeal I reported to FTC Report # XXXX, put a fraud alert on my credit reports and got the Police Report FRM XXXX - Complaint # XXXX - XXXX XXXX. The bank responded me over the phone in the month of XX/XX/2022 saying that they will re-open the case and will send the response of the investigation but I haven't received it. They didnt follow the credit card lost and stolen procedures to cancel/block the credit card affecting my finances and credit. I got free legal advice from XXXX for XXXX and they sent a dispute letter to the Bank XX/XX/2022 but still we haven't got any response.
|
| 12/05/2023 |
Yes |
|
- Trouble during payment process
- Payment process
|
|
Web |
Servicemember |
|
On XX/XX/XXXX my husband proceeded to a local Santander Bank to pay the mortgage on our house. The mortgage is in my name and I have had it for over 20 years. The local brank advised my husband that he could not make a payment because he was not on the account. When I call the branch, the branch manager verified that this was a recently change due to fraud and advised that I could make the payment online therefore I would not need to come in at all. He took my information and I am awaiting a call. I proceeded to call the Corporate Customer Support Number and the young lady there confirmed this change and advised that I too am no longer able to make a payment because I do not have a checking or saving account with the bank. I never had any other accounts with this bank and this was not a stipulation when I opened the account. She advised I can make my payments by phone but there is an added fee or {$9.00} - {$11.00} depending on the method. I can setup direct deposits or mail in my payment. Now if I proceed to mail in my payment it would be no different then a local branch accepting my payment same payment form with no way to tell if it is fraudulent.
I find it terrible that a bank would make such a change and not communicate that to there customers. I also find it ridiculous that any business would not accept a payment from a customer. I now have no idea how to proceed with making my payments as mailing checks is not very secure and I do not feel comfortable allowing them pull the money from my account. I so know that I will never again open an account with this bank of any type.
|
| 02/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX I went in to XXXX XXXX XXXX to test drive a XXXX XXXX. I asked them to get the payment less than {$400.00} & that could not be done so we said never mind & walked away from the dealership without a car. On that same day, someone else came in & purchased a XXXX XXXX XXXX at XXXX XXXX in the amount of {$26000.00}. His loan is through Santander Consumer USA. Per the dealership, something happened with his loan & he needed a co-signer, so in XX/XX/XXXX the loan was finalized with a co-signer. The loan was funded on XX/XX/XXXX. The co-signer filled out all the appropriate paperwork & is in the XXXX XXXX system as the co-signer with the main purchaser, but on their funding page with Santander it shows me on the loan with the main purchaser. Their CDK program shows the sale with the main purchaser & the co-signer. Somehow my credit profile ( credit application ) was mixed with the co-signers packet. I have called Santander & they informed me that it'll take 3-5 business days before I will even see the fraud packet in my email. I went to XXXX XXXX & spoke to 3 associates who stated they as well will contact Santander & start a fraud packet on their end. Now the Santander loan on my credit report shows the loan is up to {$27000.00}, so I fear the purchaser & the co-signer have no made a payment, so undoubtedly, it will affect my credit score. No one can tell me how this happened. The only time I've gotten an update is when I reached out, & quite frankly, I'm not the one who screwed up so I'm not the one who should be asking for updates, they should be handed to me freely.
|
| 02/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Santander agrees to provide notice to each CRA to which Santander reports, requesting the deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief agreed by Santander Consumer USA with NY Attorney General for deficiency relief on cars that were violation of Article 9 of U.C.C. The company never to provided a notice before selling the vehicle and no receipt was procured to prove that notice to sell vehicle was given. The secured creditor must take several steps to properly effectuate the sale of its collateral pursuant to Article 9 following a debtors default. Under Section 9-611 of the Uniform Commercial Code, a secured creditor is required, in most circumstances, to send a reasonable authenticated notification of disposition. The notice is intended to provide the debtor, and other interested parties, an opportunity to monitor the disposition of the collateral, purchase the collateral and/or demand any surplus proceeds recovered from the sale.
Accordingly, a secured creditor must send notice that is reasonable as to manner, content and time. Since the notice must be authenticated, a secured creditor may not give verbal notice to the debtor. A secured creditors notice must be made either electronically or in writing. A creditor that fails to provide this reasonable notice can potentially be held liable for any loss created by its failure to give notice properly of the location and sale date of the vehicle. The sale was not given before the car was auctioned making the sale COMMERCIALLY UNREASONABLE.
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.
If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above.
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
|
| 12/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I was mislead by the debt that occurred in this consumer transaction. My consumer protection rights were violated by Santander when Santander approved me for an auto loan knowing I would have a high probability of defaulting on that loan. I defaulted on that loan within the first 3 months of having the car. Twice within a year. My second time defaulting on the loan, I reached out to Santander on XX/XX/2022. Santander stated I had to pay the full auto loan balance of XXXX XXXX XXXX in order to receive my consumer goods. Santander stated if I did not remit payment of XXXX XXXX dollars my vehicle would be sold. This loan was a high level risk and Santander only required proof of insurance from XXXX dealership to approve of my auto loan. I have proof from XXXX that shows each lender that approved my application. The other lenders such as XXXX required proof of income, proof of residence, proof of bank statements etc. While Santander only requirement for auto loan approval was documentation of car insurance. I provided this documentation to XXXX, and a XXXX XXXX dollar down payment and was approved for my vehicle. This documentation shows Santanders subprime unfair and deceptive auto lending practices violating protected consumer rights.
Santander should provide me with Loan forgiveness and the title to my vehicle, along with my vehicle being released. This would be the only fair resolution due to the XXXX anguish this situation has caused me, and the lost of income due to me not having a vehicle. My family is now struggling to keep a roof over our heads because of this.
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Santander Consumer USA regarding their violation of the Fair Credit Reporting Act ( FCRA ). I recently financed my auto loan with Santander and have encountered significant discrepancies in the reporting of my payment history to the credit bureaus.
My car loan was initiated at the end of XXXX, and my first payment was scheduled for XX/XX/2023. However, upon making a payment on XX/XX/2023, covering both XXXX and XXXX, I noticed that there have been no updates about these payments reported to any of the three major credit bureaus.
This oversight is a clear violation of the FCRA, which mandates that accurate and timely information be reported by lenders to credit bureaus. I am deeply concerned about the potential negative impact this issue may have on my credit score and financial reputation.
I have attempted to resolve this matter directly with Santander Consumer USA, but regrettably, my efforts have not yielded any positive results. The lack of responsiveness and inaction on their part has led me to escalate this matter to your esteemed agency.
I kindly request your immediate attention to this issue and the initiation of an investigation into Santander Consumer USA 's non-compliance with the FCRA. I believe that by taking appropriate action, we can rectify the inaccurate reporting and prevent any further harm to my credit standing.
Thank you for your prompt assistance in resolving this matter. Please do not hesitate to reach out if you require any further information.
|
| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
|
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Chrysler Capital has not accepted my payment money orders as a Tendered value payment that I made payments to them on the car payments I have sent them a letter with a payment money order. I have Tender the payment Ucc 3-603 and 3-311 they have not acknowledged the payment as instructed by law. Chrysler Capital never informed me of the TRUTH IN LENDING A.K.A REGULATION Z- 12 CFR 1026. I have contacted them and I have tried to reason with them and I am still getting a refusal from them Chyrsler Captial and they have been threatening that they are going to repose my car if I don't send them another form of payment they are not accepting my money orders for the value that has been tender and sent they have violated my rights consumer rights 15 US 1605. From day one. when I first bought this car put a {$500.00} dollar downpayment on this car I never was told about consumer laws or handed any papers in my hand or given my full contract about any consumer laws when I got home and looked at my contract it only contained three papers one was RETAIL INSTALLMENT SALES CONTRACT, NON -LEASED VEHICLES ODOMETER DISCLOSURE AND GEORGIA LEMON LAW AND IN THE CONTRACT OF THE RETAIL INSTALLMENT PAPER IT SAID NO COOLING OFF PERIOD meaning I can not change my mind. I was deceived on all matters of this contract all my rights were violated I had been taken on a ride my consumer rights were violated 15 us code 1635, 15 us code 1602, and 15 us code 1605 were not told to me, or handed any papers to me on consumer laws. my name is XXXX XXXX Chrysler Capital account number XXXX for my car
|
| 05/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
First I would say Santander is a loan shark company as I have been paying over 20 % interest on a lemon a car I havent even been driving. They blocked me out of my account online forcing me to pay over the phone but when I pay over the phone my payment is posted 24-48 hrs later they made a mistake on a previous ACH payment. Im NOT working Im A XXXX veteran and Im Not even driving the car because Ive had to pay all kinds of maintenance fees in repairs. My son who is serving overseas left me his car. In the meantime I am expecting a payment from my former employer because I was wrongfully terminated in 2014 ended up homeless lost my house and needed a car. My case was in litigation at the XXXX for more than 5 years and I just got a decision on XXXX XXXX but they still had not paid me as I was declared a federal whistle blower for reporting patient neglect. I was expecting a payout so I called Santander to request the payoff amount noting they are supposed to have programs for people with financial problems! I asked the rep to take off the late payments she then says I have good payment history and then turned around and retroactively posted the late payments that are posted late because of their system to my credit after the fact! Noting this only occurs AFTER I called to get the payoff so In addition to being a crooked loan Sharking company they decided to try and sabotage my credit only AFTER I called to get the pay off amount.
I didnt pay off the car yet. But now I see just how calculated this loan sharking company is!
Dont ever do business with Santander
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To Whom It May Concern, This letter is a follow-up to my original letter dated regarding an inaccuracy in your credit reporting. Specifically, as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act I have since XXXX of XXXX and XXXX sent a version of this exact letter to the companies that violated my Privacy and my credit report I do not have the exact dates but I'm sure you can look on my credit report and see where I disputed those inquiries I did not ask the company for any information only asked that they remove it from my credit report
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I spoke with a representative by the name of XXXX on XX/XX/XXXX, who is an employee of Santander Consumer USA. XXXX told me that a letter of suppression was sent to all 3 credit bureaus to stop reporting and delete the charge off from Santander Consumer USA. XXXX said that on XXXX XXXX that Santander Consumer USA credit department had spoken with all 3 credit bureaus verbally to stop reporting and delete the negative information placed on my credit report. XXXX gave me an audit number XXXX to give to the customer service representative with all 3 credit bureaus to confirm the information he had given to me. I asked XXXX multiple times to send me a letter in the mail. He told me that it was not possible for him to do that. I was told that their system is unable to generate any information on my account. They claim that they couldnt send me any form of documentation to verify that I was clear to have the negative remarks removed from my credit report in the mail. Santander Consumer USA charged the account off with IRS in XXXX, and sold the debt to XXXX XXXX in XXXX. Neither companies want to pursue any financial action against me. XXXX representative told me that what they were doing to me was illegal, and they could not deny me of any paperwork to prove that Im clear. I have attached the documents that I sent to all 3 credit bureaus. The credit bureaus are saying that, although I submitted the documents to show that XXXX XXXX is no longer pursuing any actions towards me Santander Consumer USA is still reporting to all 3 credit bureaus on the back end.
|
| 07/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I am reaching out to request the validation of a debt associated with an account. Additionally, I would like to explore the possibility of settling the account if validated while seeking an arrangement for the permanent deletion of the account from my credit report.
I kindly request your assistance in providing the following information for debt validation : XXXX. Original creditor 's name and contact information.
XXXX. Account number and date of debt inception.
XXXX. Detailed breakdown of the claimed amount, including any interest or fees.
XXXX. Supporting documentation demonstrating my liability for the debt.
I kindly ask for your prompt support in providing this information within 30 days. To ensure fairness, I also request the suspension of any collection activities related to this debt until its validity is confirmed.
Once the debt is validated, I am eager to discuss a settlement arrangement. Furthermore, I kindly request an agreement to permanently delete the account from my credit report upon successful settlement. This mutually beneficial arrangement would allow me to rebuild my credit history without the negative impact of this debt.
I truly appreciate your understanding and cooperation in this matter. Please kindly reply to this email or arrange for an appropriate representative to contact me. I am available at the provided email address or phone number to discuss the next steps or provide any additional information required.
Thank you for your attention, and I sincerely hope for your assistance in reaching a fair resolution.
|
| 12/07/2022 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
In XXXX of XXXX I was subject to an elaborate Employer scam. I answered an ad on a job board, that turned out to be scam. The role was to be a recruiter, to that end I was sent training materials for this role. I was then sent payment via an electronic check with instructions to bank the check, and then make a withdrawal that is to be put into another account ( at a different bank ) in order to fund the equipment for the role as a recruiter ( a special computer with encryption ). XXXX such transactions were undertaken, on receiving a XXXX check with instructions... I questioned the need for another transaction, at which time I was told if I did not comply, I'd be financially ruined. Within the hour they had reversed the XXXX checks I put into my financial institution ( Santander Bank ). I reached out to the company without success. So I called Santander Bank, and was directed to their Fraud Dept. I supplied the Santander bank with all the documentation, along with email communications. To which they have left me holding the can. I find this extremely disturbing that a XXXX XXXX XXXX has ZERO fiduciary responsibility to a customer of good standing for XXXX years. Also it is completely absurd that a Banking Institution of this size would clear XXXX checks into my account that were apparently not valid checks, and had NO funds behind them to support the deposit of funds to my account. Thus I am being held responsible for a short fall of over {$9300.00} USD, and my account has been closed by Santander Bank. I am looking to see what recourse I have?
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I was shopping for a new car and my credit was pulled without my authorization.
I ask the companies to prove that I authorized a credit inquiry and request that it notify the major credit bureaus. which has not happened, so I then disputed the credit bureaus, and all items are still appearing on my credit report.
XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX SANTANDER XXXX HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX SANTANDER XXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX HARD XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX HARD Reported XXXX XXXX XXXX XXXX
|
| 10/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet SANTANDER CONSUMER USA is reporting this information.. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. SANTANDER CONSUMER USA reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to ask that the late payment status on my credit report to " Paid as Agreed '' or " OK. '' As you may be aware, it is illegal to report a late payment on a credit report especially if the payment was actually made on time. This is a violation of the Fair Credit Reporting Act ( FCRA ), as outlined in 15 U.S.C. 1681. Specifically, in section two, it states that a persons consumer report can not report transactions or experiences between the consumer and the person making the report. That person, in this case is Chrysler Capital, reporting on a late payment transaction. On XX/XX/2021, -- three days before the due date -- I made a payment on my account with Chrysler Capital, but for some reason, it was not processed in a timely manner. As a result, a late payment was reported on my credit report. I believe this is an error, and I am requesting that it be corrected. I understand that Chrysler Capital has a responsibility to report accurate information to credit bureaus, and I appreciate the importance of maintaining accurate credit reporting. However, I also believe that it is important to ensure that errors are corrected and that customers are treated fairly. I am requesting that action be taken to correct this error and update my credit report to reflect that the payment was made on time. I believe this is the fair and appropriate course of action in this situation. Thank you for your attention to this matter. I look forward to hearing from you soon.
cc : Michigan Attorney General XXXX XXXX XXXX Chrysler Capital
|
| 05/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American |
|
I was forced to buy a car at XXXX XXXX in XXXX XXXXI tried to leave but 2 people came after me... I was scared..they forced me to stay for their financing through santander Consumer USA... I received a XXXX XXXX after signing contract ... the contract I digitally signed is different than the terms I was given and signed for ... the payment is over {$20.00} more and the due date changed to 13 days earlier... I requested a late month due date or my payment would always be late ... the finance guy assured me it would be the XXXX or XXXX days from purchase ... it was purchased on XX/XX/XXXX so realistically the XXXX of the month would work with the few days allowance ... when I called santander..they refused to help and said it was what the contract said..I went in to the dealership with a preapproved letter from XXXX XXXX XXXX XXXXXXXX with a rate of 7.99 % ... the dealership refused to use my preapproval and forced me in to the contract with santander at XXXX ... the finance guy said because i got a good deal they needed to recoup some money from financing ... I truly wish I could just go back to my XXXX XXXX that was paid for..I think this dealership and finance company are in cahoots ... i just want my payment amount and due date to be what I signed up for ... the dealeship gave me no paper work ..just a zip drive ... I think that is where everything changes... i signed one thing and once he had my signature ..he changed the paperwork and I didnt know because I had no paper work... it was the worst experience of my life...
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander consumer usa has reported a miss payment on my payment activity for the month of XXXX claiming that I did not make any payment for the month of XXXX and the past due amount is {$250.00} and I disagree with that. Ive made that payment I even paid more than that, {$250.00} to be exact ( $ XXXX {$28.00} ). I have uploaded the receipts. I have used XXXX a company authorized by Santander to receive payments on its behalf. The Santander website wasnt working and I wasnt able to make online payment. I have called customer service and they have advised me to go to a moneygram or XXXX XXXX location to make the payment. They can retrieve that phone conversation since the call was recorded. I did exactly what she told me to do and I even called back to give the reference number that was given to me by XXXX. It is not my fault if your website wasnt working. Nevertheless, I went to a XXXX location in XXXX to make my XXXX payment. I did not miss a payment in XXXX. I have had that car loan for 6 years now and I have worked hard every single day to not miss a single payment so, do not mess with my credit!! That car loan is almost paid off I only have 1 ( one ) more payment to pay off that loan. Do not mess with my credit!!
You reported to the credit bureau that my overall balance is {$920.00} which is not true because on your own website as of today XXXX XXXX it shows a different overall balance amount of {$330.00}. The XXXX payment with XXXX has finally been updated. Update my credit report, I did not miss a payment in XXXX.
|
| 12/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
After submitting a complaint Santander Consumer USA has done a profile review and removed {$10.00} following this activity have closed the account after trying to collect after writing it off on taxes. I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by your company to neither CRAS ( XXXX, XXXX, XXXX ).
Santander Consumer USA did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. Santander Consumer USA is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements.
I have asked this company to CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. I have also put this company on notice exercising my right to prevent the processing of my personal data by Santander Consumer USA for the account opened XXXX XXXX. This account has been removed multiple times and refurnished by the company they have also stated that they cant remove it.
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " SANTANDER CONSUMER USA, XXXX, XXXX, XXXX XXXX XXXX ". This charge may lead to a lawsuit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Washington , DC XXXX XXXX XXXX XXXXXXXX
|
| 11/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
15 U.S. Code 1605 - Determination of finance charge THE SUM OF ALL CHARGES WAS NEVER INCLUDED IN THIS FRAUDELANT LOAN, AS THE ORIGINAL CREDITOR THERE SHALL NOT BE A FINACE AMOUNT.
ALSO, INSURANCE COSTS WAS NEVER ADDED TO THIS CONTRACT.
TAGS AND REGISTATIN WAS NOT INCLUDED AFTER MY VEHICLE BEING PAID OFF THIS VEHICLE WAS STOLEN FROM XXXX XX/XX/2022 I DID REACH OUT TO SANTADER NO LUCK, I DID ATTACH DOCUMENTS AND XXXX POSTAL TRACKING CONFIRMATION RETURN MONEY AND PROPERTY SINCE I AM NOT LIABLE 15 U.S. Code 1635 - Right of rescission as to certain transactions ( b ) Return of money or property following rescission When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as XXXX money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value.
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
According to to 18 U.S.C. 10284.
You have knowingly transferred possed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( ), you are governed by th Credit Reporting Act ( " FCRA* ), 15 U, S.C . 1681, et seq., which protects consumers from inact outdated, or invalidated information reporting of their consumer file. The FCRA states that consumer reporting agency 's responsibility to ensure that all information contained within consumer is accurate and free from errors. Your company is regularly engaged in the business of assemblir evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S, C. 1681a ( d ), to third parties, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report.
Santandeer XXXX XXXX XXXX XXXX
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The late payment on my credit report is inaccurate. I was late due to the covid 19 pandemic .in which i lost my 2 jobs and i was unable to make payment in time.in which i ask for some extension.so asking you to ask them to remove from my credit report base on the law article of covid 19 pandemic. The CARES Act, which was signed into law on XX/XX/2020, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisisbut only under specific circumstances. ( See 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ). ) But if you make an agreement for payment relief before you fall behind, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act requires that creditor to report your account as current on your credit reports Under the amended FCRA, if a " furnisher '' makes an accommodation because you were affected by COVID-19 during the covered period ( see below ), that furnisher must report your account as current to the credit reporting agencies, so long as you weren't already delinquent on payments. ( A " furnisher '' is an entity, like a lender or creditor, that provides information relating to consumers to one or more credit reporting agencies for inclusion in a credit report. ) Specifically, the creditor has to continue to report your debt as current if you're up to date on the debt when the creditor agrees to : let you defer one or more payments let you make a partial payment forbear any delinquent amounts modify a loan or contract, or give you any other assistance or relief.
|
| 01/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I would like to formally recommend a thorough review of the practices of Santander Consumer USA for auto loan fraud. They have failed to apply payments according to the law on a fully amortized term auto loan. They have charged excessive fees to make payments. They have committed countless FDCPA violations by failing to send debt validation notices. They have innaccurately reported my balance to the credit bureau for 7 years.
I have a fully amortized auto loan that originated with them in 2013 and over the term of the loan there are XXXX instances where they did not apply any of my payment to principal at all and countless other months they only applied very little. I pulled a simple amortization schedule with my loan terms and for the entirety of my loan contract of 6 years not a single payment was applied according to my contract.
This has caused them to report incorrect balance owed of {$9000.00} plus after making all of my amortized payments. In addition, they repossesed my vehicle causing damage to the interior door locks and windows which now don't work causing thousands in damages to my car. After reporting it they have done nothing to rectify the damage or the invalid application of my payments. In addition XXXX FDCPA violations where they have failed to provide me debt validations notices required by law. They have lost XXXX of the largest class action lawsuits in history XXXX brought on by XXXX states and are still are violating the law now because no one is holding them accountable or auditing them.
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| 01/02/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Santander not only took advantage of me with their predatory tactics. But also with their not for public view internal XXXX XXXX. They are blatantly re aging the debt its been close to 8 years now. Santander also received a check from the insurance company AND sold the product at auction which Santander never sent me a 1099c for for the amount that it was sold at auction. In the eyes of the IRS that money is considered earned income to the person that signed the contract. A 1099c was never issued which makes me believe that Santander never paid taxes on that money. Not only did the drivers insurance company give Santander {$7000.00}, but it was also sold at auction by Santander on top of the money that was already paid in payments which turns out that only 1-2 $ of every monthly payment was going towards the principal!!! 1-2 $ /month going to principal, if thats not predatory lending, scamming and stealing I dont know what is. This account is also being reported on my account as an auto loan when the contract signed it states retail installment sale or credit sale NOT auto loan. In one document it states the highest amount owed is {$15000.00} plus dollars than on the credit reports it states highest balance {$13000.00} plus. Ask Santander to show u proof they filed 1099c for the amount gained from the auction. Santander has continued to commit the Most blatantly purposeful violations since the starting of the CFPB and after the millions in settlements Santander had to pay they still have not learned their lesson.
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| 09/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
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Web |
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I recently opened a Santander Ultimate Cash Back [ Credit ] Card because of the multiple promotional benefits advertised, including : no annual fees, 0 % APR for the first 12 months ( including on balance transfers ), and 3 % cash back for the first 12 months.
Although the Santander website is very clear and forthcoming about the promotional benefits of this particular credit card, the applicable balance transfer fee was not clearly communicated.
The Balance Transfer fee is the greater of 3 % of the amount transferred or {$10.00}. Studies show that consumers have a misunderstanding of balance transfers / 0 % APR offers. Further, consumers that use balance transfers are generally financially vulnerable - often times with considerable amounts of debt on existing credit cards accruing interest at high rates 20 % +. To bait these consumers with 0 % APR offers, and hide a 3 % balance transfer fee in the fine print, is a clearly unfair and deceptive business practice, targeting the most vulnerable consumers.
I have attached a credit card statement capturing the balance transfer fee that was charged, along with PDF of Santander 's website, where mention of the balance transfer fee only exists within the " fine print ''.
Statement of Facts : 1. Credit Card Opened : XX/XX/2022 2. Balance Transfer of {$4600.00} Processed : XX/XX/2022 3. Balance Transfer Fee ( 3 % ) Applied : Total of {$130.00} on XX/XX/2022 4. Call Made to Santander Requesting Fee Waiver : ( Date Unknown ) -- Rejected, Unsuccessful.
Thank you.
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| 01/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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SANTANDER CONSUMER USA has failed to respond to my NOTICE OF RESCISSION ; DEMAND TO RETURN ALL MONIES PAID for an alleged account with number XXXX. So, pursuant to TILA, 15 USC 1635 and Regulation Z, 12 CFR 226.23 ( A,2 ) ( D,1 ) ( D,2 ) I hereby exercised my right to rescind the transactions that is identified by the referenced account number for a total of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$41000.00} ), which included Down payment fee which at the first place according to the Law that I was NOT required to pay down payment to secure a loan, they made me pay for Dealer fee, Gross Trading Allowance, Dealer Admin Charge fee, Ext Service Agreement fee, Maintenance fee, Elect Filing fee, The Annual Percentage Rates fees, Total of Payments, and Total Sale Price, which were all illegal by the way. And BECAUSE A STATEMENT OF RESCISSION WAS NOT PROVIDED TO ME according to 12 CFR 1026.23 the notice was sent to SANTANDER CONSUMER USA to let them know that I needed to Rescind the transactions and to give me all my monies back and they failed to respond within those periods of 20 days I gave to them to respond based on the Law. So, they are in several violations, and I hereby exercise my rights to set them up for their FDCPA and FCRA violations to get back all my monies paid to them, and since they failed to respond to my NOTICE OF RESCISSION, I am declaring that legally if there was any property presented to me as the Consumer during this alleged transaction will be kept by me, as the Consumer.
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| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I received a copy of my credit reports, and I notice there are unauthorized credit inquiries made by CHRYSLER CAPITAL on XX/XX/2022. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act, as well as a violation of my rights to privacy. I am requesting your credit bureau and customer relations department to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing a credit inquiry ; with my signature, so that I may verify its validity. If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. According to the provisions of 15 U.S. Code 1681j, there should be no charge for this report.
|
| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
The Chrysler Capital Finance website My Account has confusing and potentially purposefully deceptive layering. When I log into My Account account summary screen will note that - - in the Amount Due. There is a? next to this and if you follow the prompt, you receive the following info : Amount due includes your next monthly payment amount plus any unpaid past due amounts, fees, and charges ( if applicable ).
Balance may vary from your statement based on recent activity.
At this point most people, including myself, would say, Oh, no amount due. and log off. I have done this and wondered why I keep getting charged late fees or have missed payments.
If you should go further into your account info, a separate screen, it will allow you to access a Transaction History and will indicate that you do have an amount due and the due date for that payment. ( I have screen shots of both these pages. ) I have questioned late fees and missed payments with customer service representatives on numerous occasions over the course of my lease. I have even been promised refunds of late fees that never happened.
I am sure that I am not the only one who sees - - amount due and moves on. Chrysler Capital is likely making millions on late fees and, if reporting to credit agencies, negatively impacting peoples credit. They have no incentive to change this confusing account information practice.
Please look into this. I believe that CC should be refunding late fees and writing correction letters to credit bureaus.
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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I purchased a XXXX XXXX XXXX from XXXX of XXXX XXXX and allegedly according to Santander Consumer USA I made agreements with to pay monthly installments of {$510.00} for 75 months and made a {$2000.00} down payment. Although the car had a used sticker value at the time of around {$17000.00}. The initial balance was {$19000.00} and so far ive made 41 installments on this loan 3 of which were late none exceeding 30 days. I still owe a balanced on my credit report of {$13000.00}. The last three months i have not been able to make the payments, due to my vehicle not being able to run for the past 5 months and now needing a new engine because of a mistake a mechanic made on the car. Also my business recently has been running into some low income and the rising costs of my rent, utilities and other bare necessities has been making the payments very difficult. Its is one of a few things that is causing my entire family of six a massive mental hardship. For this has not only lowered my credit score and but the creditor has already threatened to put derogatory marks on my credit and even some instances where they mentioned collections. Which will do nothing but just subtract points from my low credit score. This is something that has prevented me from buying a home for my family as well as withholding my ability to utilize my credit in the ways I intended. The balance is the largest balance on my credit report and can and i can ill-afford and will not be making any future payments to the creditor.
|
| 11/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems. My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me. The amount was, I believe, {$320.00}. It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days " as a matter of policy. '' I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds. A few weeks later, they did send me the refund check and I cashed it. First, they called me and told me that I owed them {$500.00}. Then, today they called me saying that I owed another {$400.00}. I told them that I could see my way into paying {$320.00}, but not the other {$75.00}. And I told them if they wanted to get the money from me then they would have to take me to court or to mediation. The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise.
Attached is the letter that they sent to my husband, and he has been paying for the car the whole time but they wiggled out of answering the question with an excuse that he was not authorized to hear information.
They called him on the telephone on XX/XX/XXXX at about XXXX a.m. and did speak to him about the " debt '' owed, but would not talk about any of the service charges.
|
| 11/28/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Consumer : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Notice Of Cease & Desist This is a warning notice to the alleged wrongdoer of such debt which youre a debt collector because you are simply attempting to collect multiple alleged debts. I noticed I've been violated pursuant to the FDCPA, there is evidence of the use of abusive, deceptive, and unfair debt collection practices. There is also evidence of aggravated identity theft, misleading representations & harassment. These practices resulted in the infringement of my intellectual property rights.
Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my specified remedies as a federally protected consumer.
I am demanding all of the following : I refuse to pay this alleged debt.
Stop illegal negative reporting activity to ALL consumer reporting agencies.
Report positive monthly to ALL consumer reporting agencies Check of {$3000.00} for violations.
XXXX XXXX ( not a billing statement ) Again, this is a notice pursuant to the FDCPA. Failure to honor the demands above and send proper validation of the alleged debt within 14 days of receipt of this notice, shall : Be taken as tacit agreement to the claims set forth, Grant the consumer all demanded remedies and Will result in litigation/ and or arbitration.
( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf ; citing Police, XXXX at XXXX. ) Respectfully, XXXX XXXX
|
| 06/28/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Older American |
|
On XX/XX/XXXX I went online to my Santander checking account and my Heloc loan account. I checked the balance of the Heloc account and transferred the balance of {$3300.00} to that account to pay off the balance. When I checked the account a few days later I noticed that although this amount was taken out of my checking account it was not applied to the Heloc account. Then on XX/XX/XXXX Santander took {$230.00} out of my checking account for the loan balance. At this point the balance should have been XXXX as I had paid the balance. It was then that I realized that the {$3300.00} they took out of my checking account had not transferred properly. I called and was told they would check it out. I have been on the phone with them at least 4 times since then and the issue has not been resolved. They closed the loan account, charged me more in interest as well as a fee and then credited my checking account {$77.00} on XX/XX/XXXX. I believe they owe me more money. If the balance was {$3300.00} on XX/XX/17 I may have owed them a few more dollars in interest but not {$50.00}. I feel the credit I should have received should have been closer to {$120.00} versus the {$77.00} they gave me. No one at Santander has bothered to explain what happened to the original transfer. I am attaching a picture of the checking account statement as well as the XXXX and XXXX statements in the loan account as I can no longer access the loan info online as it has been paid. Your assistance is greatly appreciated.
|
| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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|
On XX/XX/2024, Santander alerted me to potentially fraudulent charges on my debit card. I contacted Santander to confirm that the charges at issue were indeed fraudulent, and Santander subsequently cancelled the compromised debit card. Following this, I reviewed in close detail every charge made to my checking account, for as far back as the Santander website would display. I noticed for the first time a recurring monthly charge of {$19.00} to a company called XXXX, an online learning company. I had never even heard of the company before. I made a claim to Santander, and, after not hearing back from them days later, I called to ask for an update. They told me that they would not credit my account for the fraudulent charges, which amounted to at least {$190.00} because the charges were older than 60 days old, and that I should call XXXX to have them reimburse me. I called XXXX, and they were able to confirm that the charges made to my debit card were not associated with any account belonging to me, but they also refused to reimburse the charges. I called Santander again to inform them of this, and they reopened my claim. A week or so later, Santander determined that they would reimburse me only for {$39.00}, which amounts for only 60 days ' worth of the fraudulent charges, and refused again to credit my account with the remaining {$150.00}. Both Santander and XXXX acknowledge that charges to my debit card on XXXX 's website were fraudulent, but neither company will reimburse me.
|
| 10/06/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
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Company called XXXX XXXX XXXX called me on XX/XX/2023 XX/XX/2023 XX/XX/2023, XX/XX/2023, XX/XX/2023 ... about a auto loan, saying i owe $ XXXX {$63.00} XXXX on a truck i had years ago, they had my social security number, but didn't have my address, they was saying a address i was at 8 years ago, they told me i should had reported my updated address to the credit bureaus, i told them i did in my current address was on my credit report, i try to tell them i file bankruptcy that was discharge 10 years ago, a ( chapter XXXX bankruptcy which cleared me of all my debts, the truck debt was XXXX at the time ) and the auto that they talking about was in my bankruptcy documents it clearly state i do not owe no one, they threatened me, Told me that I will wake up with all my assets frozen, told me after they done with sueing me I will end up killing myself, they speaking so fast i couldn't even get a word out, they was yelling at me, in they told me to borrow {$2000.00} from a family or friend then make a payment plan with them by 7 days are i will lose my bank account, everything I owe ... I called my bankruptcy attorney he also called them explain that what they claiming i owe i dont owe and its in my bankruptcy documents. He was sent to a voice mail, the number they keep calling from is ( XXXX ) XXXX can someone find out if these people are legit cause they are not accepting no documents or sending me no documentation, but telling me I been sue and it's to late and I have to pay them.
|
| 04/19/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Servicemember |
|
I received a pre-selected offer from Santander Bank ( offer code XXXX ). On XXXX, I submitted my application and I was subsequently denied the loan. The letter of denial was from XXXX XXXX ; it stated the bank was unable to provide me with a loan under the terms that I had requested.
I contacted Santander on the morning of XXXX to inform them that their computer had provided me with the loan amount and related terms. I was then told that my loan was not approved because I had received a loan from the bank in the last 90 days and they just used this formatted denial letter for a host of different reasons.
I informed the bank representative that I only applied for the loan because the bank had sent me the pre-selected offer and I didn't appreciate a hard hit on my credit and denial as I most certainly wouldn't have applied for the loan had I known I needed to wait at least 90 days before applying for a new loan.
I requested that my case be escalated to XXXX XXXX and I requested to reach out to her. I was told that XXXX XXXX just signs the letter and she was not available to actually speak with anyone. I was told that XXXX XXXX, who answers to XXXX XXXX, would reach out to me within 24 hours concerning this problem.
48+ hours later, I had not received a call back from XXXX XXXX XXXX I called Santander again and asked to speak with XXXX. I was told that she was unavailable and I would just need to wait for her reply. I was also told that she had not even looked at my case.
|
| 03/15/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
|
- Problem with customer service
|
|
Web |
Older American |
|
We use billpayer on our joint checking account with Santander Bank. Usually, our credit card payments to XXXX XXXX XXXX XXXX XXXX are sent electronically. For the month of XXXX, 2023, ( and we have recently learned this also happened in XXXX ) the check was sent via paper. The check was dated XX/XX/XXXX and Santander Bank cashed and withdrew the funds from our account on XX/XX/XXXX. The check was for over {$2000.00} and could have caused an overdraft. Since that date, we have had numerous conversations with the bank branch, the bill pay back office, the bill pay technical support, the payee, and a third party support for Santander bill pay. In our visit to the branch, located at XXXX XXXX in XXXX, NJ, we spoke with the manager, XXXX, who was both dismissive and disinterested. In our numerous phone calls to both the payers and payees, each said the complete opposite. Santander stating the payee would not accept electronic and wanted paper, and the payee stating they always accept electronic. Finally, yesterday we contacted the third party support area. They set up a conference call with Santander Bank which lasted 1 1/4 hours. We ended up in a conversation with XXXX, the supervisor of the technical unit. She admitted Santander decided to send paper but could not explain why. We can not afford to have checks cashed before the intended date. We note that the bill system wording now says a check can be cashed either before, on, or after the intended date. We need a better answer!
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To whom this letter reaches, In XXXX of XXXX I purchased a car from XXXX XXXX and financed through Santander. On XX/XX/XXXX a XXXX myself and a friend were in a hit and run accident in XXXX XXXX PA XXXX The car was deemed a total lost, Santander was notified and XXXX insurance sent a check to Santander for {$17000.00}. On XX/XX/XXXX I went to apply for a car loan and was told that Santander put {$23000.00}. I called Santander and spoke with XXXX ID XXXX, who was very rude. She cut me off mid story and talked over me stating that the account was 120 days past due and is a charge off that will stay on my credit for XXXX years. I asked why and how I had such a large charge off on my account and that it was preventing from getting a new vehicle. I asked her if they could fix the mistake and she stated that there is nothing they can do since the car is charge off. When I asked her why the account was listed incorrectly if they received a check, she did not have an answer. I also asked why my gap insurance was not applied to the balance as I was advised by XXXX that it would be. I did not have any information for the gap insurance since it was in the car. I asked XXXX for the gap insurance phone number she states that she did not have it but eventually gave me the name. I dont think its fair that a charge off for such a high amount was put onto my credit report incorrectly. This mistake has prevented me from getting a new car and resulted in me spending thousands for a rental car.
|
| 03/28/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/2023 I initiated a wire transfer to the amount of {$5500.00} from my Santander personal checking account to my friends personal checking account with XXXX XXXX XXXX. We were told by XXXX XXXX on XX/XX/2023 that the funds can not be deposited to my friends account because his account is whats called a chase secure checking that can not accept/send wire transfers. We were told that the funds were automatically sent back to me. However my bank ( Santander ) never received the funds back even after multiple swift recall attempts. Here we almost 2 months later and nothing has been resolved. Both banks are putting blame on each other and are not willing to work with us to find a resolution.
To top this all off, ive requested documentation of proof of recalls from Santander bank to XXXX and they denied me any access to any information. Santander bank also never asked me to sign the wire agreement nor did they give me a wire tracking number even after asking for it multiple times They also took a full week to tell me that they needed to send a recall so the first recall was not made till XX/XX/XXXX.
At this point i am fed up with talking to customer service agents who just dont have the authority to help resolve this situation. Ive followed up in writing to both banks and they just dont seem to care.
I am not going to attach any documents to this post, I will gladly send any documentation over after speaking with someone over the phone to discuss this further. Thanks
|
| 12/22/2022 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
- Confusing or missing disclosures
|
|
Web |
|
|
Chrysler XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Refund of unearned interest on Account XXXX It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer.
The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied XXXX to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed.
Upon receiving this written request, before the end of the XXXX XXXX period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund.
I am aware that the written statement is required considering that I am have made this request in writing.
It is noted that I, the consumer, shall be entitled to XXXX free annual statement each XXXX without charge.
|
| 07/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Hi, I believe I am a victim of a Predatory Loan and Auto Fraud. In 2018 I was pressured into a car sale with Santander Consumer as the loan company at XXXX XXXX XXXX dealership in XXXX XXXX. I believe they used fraud tactics to get me approved as I did not qualify or make enough to pay for the car properly. I already had an older Vehicle through a partnered dealersip for much less and was pressured to upgrade and trade in my car through the bigger and better dealership. They pressured me into a co signer in which they used my father who credit or income wasnt much better than mine. I believe they mixed and matched our information in order to get me approved. The Co borrower and Borrower are different on the dealership forms and the loan forms on one i am the co borrower XXXX XXXX and on the other my father who is now deceased is the co borrower XXXX XXXX XXXX. The attachments below will show the the differences and all the unfair intrest that was applied. This company had a class action lawsuit that I should have been apart of considering I met all requirements but I was never contacted. I would like to receive full compensation for all payments made and or have the vehicle payments ended and car title released to me as the owner. Lastly I also believe im intilted to compensation because santander had my car repossed in a breached peace manner multilple times in which I had to pay thousands of dollars to get my car back. Please help this is not lawful consumer business
|
| 11/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
Hello, my name is XXXX XXXX, I was utilizing XXXX through my financial institution ( Santander ). I utilized XXXX in order to make a monetary transfer to someone I know. XXXX uses a given individual 's phone number in order to send money, this makes it unique to each person.
I verified the intended receiver to have been both : - Registered with XXXX in their financial institution- Has the correct phone number associated with XXXX.
Upon using the CORRECT phone number in order to digitally transfer the funds ( adding up to {$4600.00} ), the funds were sent to the incorrect bank account. In short, whilst inputting the CORRECT information, the funds were sent to some random, INCORRECT individual.
I attempted to contact Santander customer service only to be directed towards XXXX customer service. I eventually opened a dispute with Santander which was promptly denied, reasons not clear/specific. Both myself and the intended receiver have contacted XXXX multiple times in order to resolve this but we keep getting redirected to either our financial institutions, XXXX, or our mobile carrier. How can XXXX allow the same phone number to be associated with another account? It is a breach of privacy and security for any given individual to have their supposedly secure and unique transaction to be sent to the wrong person.
No help or real resolution has been provided by any of the institutions involved. Because of a clerical error on behalf of XXXX, did we lose those funds?
|
| 11/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
The summer of XXXX XXXX XXXXXXXX I purchased a brand new XXXX XXXX. The engine has problems within the first two weeks of driving. The first issue the sensor engine was loose. The service worker XXXX was very rude and nasty towards me attempting to pick a fight. At the same time I was in the middle of experiencing homeless and about to lose my job. I was provided with their XXXXXXXX XXXX from enterprise with their 36 month warranty while fixing any problems. My engine blew within the next two weeks completely and I was placed in another rental ( XXXX XXXX ). I then asked for a complete vehicle replacement or refusal to pay the car note. I was not granted with another vehicle. I then learned about Lemon law, looked into the issue, after that the sensor came off again. Right after I called in for the last time which would have been the 3rd attempt to fix the vehicle. I had an appointment XXXX that day and someone repossessed my vehicle with all of my things in it XXXX that morning. Chrysler Capital agreed to lower the payment. 1, I should not have to pay this at all and finally I was discriminated against as a single XXXX woman.
The Chysler Capital lowered amount is still unreasonalble. I went back and forth to the dealership trying to get the engine fixed and as I mentioned no payment was made to the brand new ( Lemon vehicle due to complication ). The dealership towed the vehicle after my 3rd call about the engine burning up with smoke. I need this removed.
|
| 03/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Due to unforeseen circumstances, I incurred several late fees on a loan. I eventually made those late fee payments, actually on 2 occasions because the company did not post my payment to the late fee. When I was prepared to make the second late fee payment, I contacted the company to get confirmation of the exact amount to make the loan current and get the late fees caught up. I immediately made the payment online. After seeing the payment post and STILL not being applied to the late fee, I contacted the company. I was told I needed to make the XXXX payment then the late fee would be covered. I made that payment on XX/XX/XXXX. Today, XX/XX/XXXX I contacted the company again because I recevied a statement and the late fees are STILL on the account. They continue to use the money I am sending for late fees and are applying it to the principal. I am now being told to make the XXXX payment on or before XX/XX/XXXX and they will take the late fees out of that payment. Late fees are {$270.00} and I have paid that TWICE. so they have {$540.00} extra on the principal and {$270.00} in late fees.
Late Fees : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - these XXXX were paid XX/XX/XXXX {$170.00} but they applied the payment to principal XX/XX/XXXX - this was paid XX/XX/XXXX {$48.00} but they applied the payment to principal XX/XX/XXXX - this was paid on XX/XX/XXXX {$56.00} XXXX the {$170.00} again and the {$48.00} again. And once again they applied the payment to principal.
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| 12/13/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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I had a business XXXX account with Santander Bank. the XXXX account was only used to hold rental property money, therefore very little activity took place with the account accept to deposit rent monies. Fraudulent activity started on the account XX/XX/XXXX through XX/XX/XXXX. I boarded a plane on XX/XX/XXXX for vacation for XXXX days. Hence, I was not accessing/reviewing this account during that time, nor did the bank notify me during the time frame regarding any fraudulent activity. Within this time frame, the account was hacked and drained of all XXXX XXXX I filed claims with the bank for reimbursement XX/XX/XXXX. & the account was shut down. The bank is stating that I didn't do timely filing. Their policy is XXXX business days once fraudulent activity starts. So they will not reimburse me for unauthorized epayments to XXXX and XXXX cards. I was reimbursed by XXXX and XXXX XXXX for unauthorized online payments that took place on XX/XX/XXXX. I did file a police report. I did try to speak with the fraud dept directly, but was told by the claims dept that it wasn't a fraud dept issue. It was a claim dept issue. Hence they wouldn't let me talk with the fraud dept. I did check my credit report and didn't see any fraudulent activity,. I never gave out my password, pin or ever used the debt card associated with the account.I also don't understand why timely filing applies to XXXX and XXXX but it didn't apply to XXXX or XXXX XXXX who settled their claims.
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| 03/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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I purchased a vehicle on XX/XX/2029. The sales person who was working with me or trying to make that money with me used Santander and he was also the one who hot me insurance. Since he knew I could have gone back to the guy I saw the day before if he didn't give me a better deal so he used his resources by Getting me insurance where I didn't speak to whoever got me that insurance. And the Bank that gave me the loan has underwriting guidelines saying that they need the agent 's name, the company 's and coverage must always be full coverage. It was my first time getting a vehicle. What happened is that they gave me the vehicle without full coverage and the bank definitely conducted business against their own guidelines because it would benefit them. I didn't know that Comprehensive coverage is not full coverage. I signed the papers XXXX days after I got the vehicle. On XX/XX/XXXX, someone crashed into my vehicle. My insurance company is not paying for my car not the person 's insurance that hit me because they're saying I had a STOP sign even tho that guy hit me while I was done crossing. I'm in this because XXXX the bank Didn't bother to confirm full coverage which is required by their guidelines and the insurance company did not ask to speak with whoever was getting that insurance because that person was helping the sales person get the deal since they know each other. Now I am stuck with a {$25000.00} loan and no car to drive. I definitely need help
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| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have attempted to disput e an issue with Santander USA. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST SANTANDER DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, Zelmanski, Danner & Fioritto, PLLC, 13-2026, 2014 WL 3440174 ( 6th Cir. July 16, 2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report.
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for 3 years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.
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| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I received a Notice of Delinquency dated XX/XX/XXXX, addressed to myself and the account holder. Re : Retail Installment Sale or Credit Sale Contract Dated XX/XX/XXXX vehicle ( N/A )... This letter will be included if I can upload it. The notice informs me the contract stated above is delinquent & is my obligation. {$750.00} is due the date of the notice. If I don't pay or make arrangements to pay within 15 days from the date of the notice- ( XX/XX/XXXX ), we may report adverse information about you to a consumer reporting agency and exercise our legal rights against you...
The account holder did make arrangements and has paid XX/XX/XXXX : {$2900.00} XX/XX/XXXX : {$1800.00} XX/XX/XXXX : {$500.00}. A total of {$5300.00} in an attempt to clear the amount owed as requested in the Notice of Delinquency.
Santander Consumer USA reported negatively on my credit before the 15 day period expired on-XXXX, they stated in their Notice of Delinquency. The account holder spoke with Santander and made arrangements for payment, explaining having every intention of fulfilling that responsibility. Asking why did they report on my credit when arrangements were made. They were asked to remove the report off my credit as I was in the process of moving and could possible be left homeless due to this knocking my score from XXXX to XXXX to XXXX. All in one week. The landlords thought it had to be an error. Unfortunately for me, there was not time to stop the damage.
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| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Double reporting issues with a " XXXX '' status on my XXXX credit report. There are XXXX separate " XXXX XXXX XXXX '' reports happening on my XXXX account that are highly inaccurate as the company can only " XXXX '' or XXXX XXXX XXXX ONCE on an account. You will see on my XXXX credit report as of XX/XX/XXXX that Santander Consumer USA has reported this information XXXX! Once in XX/XX/XXXX and again in XX/XX/XXXX! That can not happen and is in clear violation of the FCRA and a lie to the consumer reporting agencies! The other discrepancy noted on my credit reports is that on my XXXX report, Santander Consumer USA HAS NOT REPORTED A " XXXX '' or XXXX XXXX XXXX in XXXX of XXXX and that it is being reported on XX/XX/XXXX! As well as my XXXX credit report shows that a XXXX XXXX status was put in place in XX/XX/XXXX! With a term duration of only XXXX Months? This account is also inaccurate and is in clear violation of the FCRA as Santander Consumer USA DOES NOT KNOW THIS INFORMATION TO PROPERLY REPORT IT TO THE XXXX MAJOR CREDIT REPORTING AGENCIES!!! This company is potentially making up information as they go when they come under fire for disputes from agencies and the CFPB or XXXX! This account needs to be deleted from all of my credit reports as it is in clear violation! Attached below is my most current reports from XX/XX/XXXX that will prove this information to be inaccurate and false and needs to be removed from all XXXX of my credit reports!
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| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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On or about XX/XX/XXXX, I entered into a contract with Santander for a XXXX XXXX XXXX. The payments were made on time and this is reflected until I surrendered the vehicle in XXXX of XXXX. The vehicle per Santander was charged off after bring sold by Santander in XX/XX/XXXX. All of this was reported and reflected on my credit report. Santander updated my credit report to reflect that I made a payment in XX/XX/XXXX and last date of activity as XX/XX/XXXX, which was not true. I reached out to Santander in XXXX of XXXX, to notify them that this information was inaccurate and per FCRA was illegal per their ruling on the re-aging of accounts. Santander updated my report every month to reflect a charge off and last date of activity as XX/XX/XXXX. In both XX/XX/XXXX and XXXX of XXXX they reported that I made a payment, which again was not true and reported my last date of activity as XX/XX/XXXX. They also updated the date of delinquency as 90 days past due as of XX/XX/XXXX which is conflicting information. In XXXX of XXXX, they reported the account as charged off but again updated the days of delinquency to 90 days past due. XXXX, XXXX and XXXX were updated as a payment being made but again the date of delinquency was updated to XX/XX/XXXX and the last date of activity was updated to XX/XX/XXXX. In XXXX of XXXX, the account was reported as charged off, date of delinquency was updated to XX/XX/XXXX and date of last activity was updated to XX/XX/XXXX.
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| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Filed a FTC report and reached out to the reporting agencies for validation of debt shown on report in XXXX. I asked if validation could not be provided to please remove from report. I have not heard anything back. I do not recognize this debt and it is reporting as a charge off which is unlawful. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. Also 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation.
As defined by the IRS, even if you didnt receive a Form 1099-C, youMUSTreport Canceled Debt asGross Incomeon your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.
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| 12/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Date : XX/XX/XXXX Re : Santander Consumers, USA Today, I made a payment toward my car note and it covered XXXX payments that was legitimately past due. The amount processed totaled {$1200.00} plus an convenience fee. I called the regarding loan company after payment processed on today, to ensure that I will be able to get late payment removed as verbally promised from employee # XXXX on XX/XX/XXXX.
When I called today, I spoke with employee # XXXX ( XXXX ) regarding the payment update and she basically denied all of my request for " letter submission '' because as she stated " Good-will is not something that they consider from consumers. '' I explained that the late payments reports are inconsistent on my credit report, but she still denied assistance. Therefore, I asked if this denial is in writing or in the contract ( s ) so I can refer to it, respectfully. She said it is not in writing and I will hear the same denial from all of the customer service reps. Since the conversation and assistance was getting no where, so I requested to speak with a supervisor. Employee # XXXX refused to transfer and proceeded to " not hear me ''. Soon after, she disconnected.
I am writing this complaint because I strongly feel like the following examples of my rights were abused : XXXX False or misleading representation 1. ) 15 U.S.C. 1692e 2. ) 15 U.S.C 1681f > Unfair practices : 1. ) 15 U.S.C 1692f >Harassment or abuse : 1. ) 15 U.S.C 1692d, Line 5
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| 10/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
Older American |
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o Whom it May Concern, I financed a new vehicle with Santander Consumer USA on XX/XX/23. The amount I financed was {$38000.00}.
I received my first statement From Santander on XX/XX/23. The statement date was XX/XX/23. The statement noted the payoff amount was {$38000.00}. I sent a check to Santander the following week for the payoff amount.
I received another statement from Santander in the week of XX/XX/23. The statement date was XX/XX/23 and the payoff amount was {$38000.00} which was a {$100.00} increase over the statement I received just a week before.
I called Santander and noted that I had already sent a check for the first payoff amount of {$38000.00}. The Santander rep I spoke to said they would honor the first payoff amount.
I called Santander customer service on XX/XX/23 to ensure the account was paid and found that there was still a {$140.00} balance due. I then spoke to XXXX, rep ID XXXX, about the issue and explained everything to her as noted above. She noted there was nothing she could do. I paid the remaining balance via debit card.
I am seeking to have Santander honor the first payoff amount, as the first rep I spoke to said he would, and refund the excess {$140.00} amount I had to pay to close the account. I also think I am not the first person they did this to and there are likely other citizens who have also been subject to this fraud.
Thanks for giving this your attention and I hope to hear from you soon.
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| 03/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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COMPLAINT My Checking Account at XXXX XXXX was hacked on Friday, XXXX XXXX, XXXX. I called Customer Service ( XXXX ) that evening and received the message that the bank was closed and to call back during regular banking hours. It being the long XXXX XXXX 's Day weekend I went to the bank on Tuesday when it opened.
In the meantime several fraudulent and unusual transactions occurred. I filed a report which they sent to the Fraud Dept. I followed up several times in XXXX and XXXX.
In one phone conversation I asked why they did not catch the many fraudulent transactions that occurred. Their reply was " because they looked normal ''. A minimal amount of common sense will show they were very unusual compared to my normal activity.
On XX/XX/XXXX, I spoke to a XXXX of Human Resources ( XXXX ) She informed me that based on their records the withdrawal of {$700.00} on XXXX XXXX was done by me. I told her that NONE of the several fraudulent transactions that occurred was done by me. She told me there was nothing else she could do.
RESOLUTION XXXX XXXX should reimburse me my loss of {$700.00} for the following reasons : The bank failed to to protect my money because it does not have a 24/7 surveillance of bank accounts and they do not have a 24-hour hotline.
Several unusual and fraudulent transactions occurred during this period which they were not aware of because the bank was closed during the long XXXX XXXXXXXX XXXX Day weekend.
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| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XX/XX/XXXX I sent a certified mail letter to a company called Santander Consumer USA regarding this unauthorized inquiry to my consumer repor that took placed on XXXX XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Santander Consumer USA. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I received a letter in the mail today that Santander Consumer USA sent off on XXXX stating insufficient information provided and or the dispute is substantially the same as a dispute previously which I have never reported anything in the past because I didnt have any knowledge to this to report. However, I have not received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.
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| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 Santander Original Creditor and NCA has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15 U.S.C . 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informations inaccurate. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 02/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Managing the loan or lease
- Problem with fees charged
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Web |
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The loan was given to me by Santander when I had no job or drivers license. They never verified the income from The applicant or co applicant. This was a predatory loan. I never understood the terms and conditions of the loan and that interest would be calculated daily. I was also led to believe that Gap insurance was mandatory and increased the payment amout by {$200.00}. When I found out this was not the case and cancelledthe Gap insurance the monthly payment remianed the same. In XXXX of XXXX XXXX men showed up inregular clothes driving a regular car. They stated they were there to reposess the vehilce due to non payment. I called Santander immediately and payed what they owed and was assured by the representative that my car couldnot be repossessed since it was still inn my possession and I had paid my account arrears. I explained this to the XXXX men who stated they still had to take the car because they were there. They also stated the bank was closed and they had no way of verifying the payment. I handed them the keys and called Santander in the morning. They told be where my vehicle was allegedly being held, however the companynever had the vehicle. The repossessor had my car the whole night and part of the next day and he dropped it back off to my home the following with his son in the car. My car was never taken to a facility. Instead the staff member used it for his own personal reasons and I was charged numerous fees.
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| 10/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Today XX/XX/2023, I called the bank to report a " billing error '' under the transferc act that allows me to give the instruction to the bank by phone, written or in person, specifically to open a merchan dispute.
Trough the customer service, the denied me the right to open the claim saying the system cant send me a text message ( when I always receive from the app ) and also couldnt generate the " veryfication questions '' due the " system ''. They have many options, they asked me my bithday, my phone, address. They didnt proceed with the instruction and also told me that they cant give me an address or fax to open the dispute. Just go to the branch, something is not possible because im not XXXX resident and right now im not in the XXXX.
So im giving trough here the instruction to open the merchant dispute for these transactions made with my debit card Master ending in XXXX : XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ XXXX {$950.00} XXXX XXXX XXXX XXXX ) XX/XX/ {$950.00} XXXX XXXX XXXX I made those 4 purchases on the store, but they didnt have on stock the smartphones to give it to me at that moment, so they will send it trough XXXX to my home, and must be received on XX/XX/. The order never arrived, and I tried to call them many times to ask about this issue, request the tracking number or have a refund. I cant go to the store in persone because im not on that city any more.
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| 05/28/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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below is was the exact email i sent to santander with the same photos. all they had to do was XXXX " XXXX '' and call them. they'd get their answer if its a scam or not. as when i called the person said " no we are not new XXXX parts. and there is a scam going on with people using my business ''. i even later emailed new photos to show " new XXXX parts '' had more people backing up my claim. or they could of spent 10mins searching for the shipping company and see that tracking is bogus along with all the phone numbers.
Photos provided to show evidence for fraudulent business. Paid for an auto part was told it was pending shipping. but the website they provided ( see figure 12 ) brings me to a site that the phone number is disconnected. XXXX the shipping business bring me to a different phone number, and that one isn't even a shipping company. the seller at one point said i had to contact the shipper to pay a fee for insurance ( see figures 8-11 ). At that point i knew it was not a legitimate business. No actual company is going to ask for payment via XXXX etc.
Figure 4 shows them posing as " XXXX ''. XXXX that does show an actual business, but when i called they knew nothing about the part i ordered and even said if someone said its coming from us its a scam. XXXX XXXX XXXX said they are aware that there is a scam but did not who or from where.
Also the entire conversation has multiple phone numbers, from multiple states.
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| 06/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The moment that I realized this fraudulent activity on my account was in the later weeks of the month of XX/XX/2021. The dates that I see the accounts were opened with Santander Consumer U.S.A. is XX/XX/2021. With a balance of {$40000.00} for what seems like a vehicle. After discovering this, I quickly started talking to family members and trying to figure out what I should do with this fraud that is appearing on my account. I was battling with XXXX for about 6 months, paying them monthly for trying to help me get this situated, but that amounted to nothing. Since then Ive had to deal with the dark shadow of someone elses dirty work and suffer with not being able to move forward with my credit.
I believe that it is worth noting, that back in XXXX of XXXX I misplaced my wallet at a XXXX restaurant and immediately after I understood I had lost my wallet, I contacted the local police department to make them aware that my wallet had gotten lost and that it had all of my personal identification items in there, such as, my drivers license, my work authorization card, along with my social security card.
So it was no coincidence to me that just one month after my wallet is lost and stolen, there is fraudulent activity now attached to my name. All Ive ever wanted since that day was to get this issue that I had absolutely nothing to do with, to be resolved. So Im hoping that I have finally found the holy grail, in you guys!
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| 12/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Santander Consumer USA XXXX Auto loan - My payments is due monthly on the XXXX of the month with my first month being due on XX/XX/XXXX which I paid on XX/XX/XXXX and was allocated at principal of {$640.00} and interest of {$150.00} at a total of {$800.00}. My 2nd payment due on XX/XX/XXXX was paid on XX/XX/XXXX for {$700.00} was allocated at principal of {$510.00} and interest of {$180.00}. I asked them why was I paying more towards the interest than my principal just because I paid my bill early and was told that my interest will start from the date that I pay until the next day that I pay. So if I do not pay my bill until XX/XX/XXXX, which the system is showing as my due date, they told me that I will be paying $ XXXX towards the interest for that month, almost double. I do not think that it is appropriate to take that much of my payment to go towards their interest instead of my principal. I would understand a max of 30 days of interest for a month but to charge me a month and a half towards interest payment just because I paid my bill early, that is just outrageous and completely unfair. Their website shows how their interest works, and how they are telling me that it works is completely different and an outright scam. I want to notify anyone and everyone that can do something about this unjust practice. I have saved screenshots that I can email to show how my payments have been applied and when my due dates are.
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| 11/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I purchased a XXXX XXXX XXXX on XX/XX/XXXX. However, due to a medical disease, I ended up having to remove my left eye on XXXX XXXX. Needless to say it was just a few days after I purchased the truck I became disable. I am now receiving XXXX due to XXXX, but I can XXXX XXXX. My initial car payments was originally {$840.00} due on the 25th of every month which was not a problem because I worked and I made the money in order to pay this but now I am on state XXXX, because of my XXXX, and. The finance company just keeps adding on the interest. My payments are not going down. I paid every week but none of my payments go anywhere and they do not try to work with you. I make weekly payments and its still not good enough for them. They said that I have broken payments but its not true and you dont know who to believe you talk to someone different all the time and everybody says something different. This is a set up for failure. They have tons of complaints. People complain about the same thing its not right that they can just do this to people especially when youre trying to keep the stuff that you purchase Then they say they send letters that I never get you cant see anything on the websites besides the payments that youve made and I pay for my bank account so I can see them but they dont make it easy to work with you they are very rude and they can care less. I am still trying to keep my car. I just wish somebody can help.
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| 05/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have requested an audit of my account to determine proof of payments & my request was denied. Payments have been made on the loan, but are not posting, so I'm receiving late fees & being charged daily interest on balances that are not owing. Lender is refusing to provide my financial institution with transaction reports showing their attempts to debit ANY amounts for towards the loan.
Payment made XX/XX/ via online banking in the amount of {$150.00}. Merchant states the transaction rejected, but are unwilling to provide transaction details. The account number used to make this payment matches the account number the merchant has on file for online payments. The funds were available & we have been unable to determine why this payment was rejected.
XXXX made XX/XX/XXXX via online banking in the amount of {$88.00}. Merchant claimed it was never received. This transaction was rejected, merchant states 'incorrect account number '. Without transaction reports, the account number entered for payment can not be determined as correct or incorrect.
Payment made XX/XX/ via XXXX in the amount of {$170.00}. Merchant claims it was never received, XXXX has confirmed payment was not returned, so where is it?
This merchant has purposely setup their online banking system to reject payments from willing customers while continuing the charge fees for non-payments. This is a clear violation of their contractual obligations.
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| 03/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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To : CEO/CFO/LEGAL DEPARTMENT AT SANTANDER CONSUMER USA , I XXXX XXXX XXXX come to you in Good Faith and Honor to get resolution on application ID No : XXXX. On your responded to ref.case # XXXX you said that wasn't denied of credit. That their was two applications where credit was approved and condition. So If I got approved for extension of my credit, but you said their is condition to it. If you can tell me where in the Law said that for exercising my right to Extension of my own credit their is conditions? Where in the Law said that money Down for Extension of someone own credit on a " Consumer Credit Transaction '' is need it and is not part of the whole sum in a " Finance Charge ''? Where in the Law said that their is Limit to grant credit in the Amount on term Requested for extension of consumer credit? Unless you can show me on the Law that I'm wrong and your right on subject matter, you false and misleading on responding to reference case # XXXX, Willfully and Knowingly under 15 u.s.c. section 1611 is a violation and Criminal Liability because is Public Information. Under " TILA '' " FCRA '' " FECOA '' ACTS 15 u.s.c. section 1691 ( d ) ( 6 ) and 15 u.s.c. section 1681 ( k ) ( 1 ) is illegal to denied, revocated or refused to grant Credit in the Amount requested or negative change in connection with a consumer credit transaction. Under 15 u.s.c. section 1681o : Civil Liability for Negligent noncompliance.
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| 12/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
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Web |
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I brought a XXXX XXXX XXXX back in the beginning of XXXX and the car was for XXXX after taxes and fees. I lost my job and couldn't get another one cuz of covid so I was doing XXXX XXXX and XXXX XXXX but the people I brought the car from ( dealership ) didn't know the car fax and was selling a salvage title car as clean. I found this out because the last owner left his driver 's license under the seat of the car after the dealership said they did all the maintenance and cleaned the car. So at this point I'm stuck with it and a XXXX car turned into a XXXX, XXXX car because I had to fix all the things they said they already did besides the the car being hit on the driver side. So I got cough up on my little XXXX dollar car payment and XXXX dollar insurance that's easily payable but again i lost my job because of covid an couldn't get another so I did deliveries with the car n that didn't help when I was trying to fix the car. I told the bank they gave me a couple months, the bank by the way it ( Santander ) but I was just caught at a bad time. So for the last XXXX year Santander has been calling my wifi number every day sum times XXXX a day, I been reading about credit dispute and the lawsuit Santander has because of the endless spam robo call I already told them I couldn't pay it but they just kept calling even after they sold the car and written the car as a tax came or w.e it says but I just need sum help to.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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I am notifying you of my intent to sue in the XXXX XXXX of XXXX XXXX. I have made several attempts to settle this matter with you personally, but to no avail you continued to violate my rights as a consumer and a natural person under XXXX.
I notified you to cease and desist communication pursuant to 15 USC 1692c ( c ) and to validate the debt pursuant to 15 USC 1692g ( b ), however, you failed to cease communication to credit reporting agencies and other third parties. You never properly validated the debt and failed to provide the verification that I requested.
The responses you sent me will serve as proof that you have violated my rights as a consumer and a natural person. May I remind you that I have the right to be informed, the right to privacy, the right to be heard, and the right to redress.
Your actions have publicly defamed me, including my credit worthiness, credit standing, credit capacity, character, and general reputation. You were supposed to exercise your grave responsibilities with fairness, impartiality, and a respect for my right to privacy. Due to your unfair practices, I have lost confidence in the banking system.
I am suffering from emotional distress, anxiety, and fear, all in which I am currently seeking counseling for. The number of damages you have caused me is unbelievable. You are civilly liable to me for such damages pursuant to the FDCPA, FCRA, and The Gramm-Leach-Bliley Act.
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| 11/20/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Funds not received from closed account
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Web |
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I Have been a customer with Santander Bank since XXXX, on XX/XX/XXXX, I received a letter that they closed my account, so I went to the bank. The manager there explained that he would not know the reason why they terminated the relationship, only the back office would know. I have 4 accounts, 2 private, 1 regular checking and one savings. On XX/XX/XXXX the manager explained that since the accounts were closed I should be getting the funds within 7 to 14 business days. The 2 private accounts have a total of {$160000.00} the other accounts total about {$3900.00}. I called the 1800 a few times to no avail. I visited different branches of the bank over 4 times to no avail either.
one of the managers at one of the branches claimed that santander had mailed two checks ( no amounts were disclosed ) but were returned because it was the wrong address. ( I lived in the same address since XXXX, How do I continue to receive letters from santander at the same address they claimed they sent the checks? ) On XX/XX/XXXX I called and spoke with one of the managers of another branch, who suggested for me to write a letter to their corporate office explaining to them that it has been 30 days and I still haven't received the funds. I refused to write a letter is just going to be a waste of time!!
I really need help getting my money back. It's been 33 days and nothing has been done.
Please help me recoup my money. Thank You.
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| 11/12/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
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Web |
|
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I applied and was approved for a Santander Ultimate credit card in XX/XX/XXXX.
From the start there was a never ending series of problems, from issues with the mobile applications, the website, and access to certain information. All of these problems still exist.
This complaint however pertains to my credit rating, which dropped by almost XXXX points because of the incompetence of XXXX.
When I set up autopay, unbeknownst to me, there was an issue with the checking account number. There was no easy way for me to see my full account number, so I had no idea that the number was incorrect. It meant that payments weren't being processed by autopay, but even when I tried to pay by phone with Santander, they didn't go through.
I spoke to XXXX XXXX XXXX in XX/XX/XXXX about the issue, who acknowledged that there was a problem with the account number. I repeatedly tried to contact him, but he never got back to me in order to fix it.
I tried to resolve the problem with Santander with dozens of calls over the months with no success. They kept on insisting that it was my or my bank 's fault, even though I told them XXXX XXXX had confirmed that the problem was with Santander.
Eventually, I was finally able to speak to someone who knew how to modify the account number and fix the problem. But it was too late and my credit score was affected.
As a result, I was turned down for a credit card from another bank.
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| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Hello, I've been noticing for a few years now that Santander Consumer USA has been reporting incorrect account information to the credit bureaus in regard to an auto loan that was paid off in XXXX. I've placed several disputes with all 3 bureaus and the company trying to get this account updated and accurate on my credit report. This account should be paid in full as it was pronounced totaled in a car accident and my insurance company paid the lender Santander in full back in XXXX. I recently placed a dispute on XX/XX/XXXX with all 3 bureaus and after receiving confirmation that the investigation was complete, I reviewed my credit reports and saw the company is still reporting inaccurate information. As you can see they are reporting different open dates of the account to all 3 bureaus. The date last reported, the high credit amount, the date last active and the date of the last payment are all different dates being reported to the bureaus. I don't understand how none of these dates and amounts line up if they are investigating the account and getting their information from the same company and source? None of this adds up. This account should not even be open. I've heard so many terrible things about this company. Santander has a history of reporting things inaccurately. I've reviewed the consent order issued by the CFPB and I am a victim. Please delete this account from my credit reports immediately.
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| 11/15/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
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Web |
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I have a situation that has been a very long process as a customer with XXXX XXXX XXXX XXXX. They are fraudulently over charging me after paying the full complete amount after taxes that the cars cost. Repossession has happened over the amount times possible. They have been very apologetic and they havent won XXXX hearing regarding this investigation regarding my properties. Some how they have been using co- signers to accomplish criminal activities through their dealership. I was A former employee. Before these events occurred. They have been trading in their Personal own vehicles making contracts.
Destroying the evidence for their to use to approach them. Repossessing and refinancing. Creating loss of property and Money for long that people who have experienced this situation need help with this problem I saw it I experienced it and I to confront them as soon as a date court becomes available. Or what I can do from this point is possible were ever I can address it. I had to investigate this situation for years since I identified with what was going on. It cost so much money that I have bring it to an authority.
That can resolve these matters.
So please be aware not to ignore your approach regarding this information.
Please contact me regarding my report # XXXX XXXX P.S, Thank you for your time.
XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
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| 09/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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Not too long ago tried using electronic transfer with Santander and there was an issue. Multiple times.
Went to withdraw funds from Santander in person. I went in and asked about charge for cerified checks and was advised it was free based upon account status. Upon returning to bank to get cerrified checks I was then informed there was a {$15.00} charge per check. As I was getting XXXX checks, I did not agree to those charges. I then asked to withdrawal money from account. I was advised I could not withdrawal the amount I wanted from account.
So I then had to alter transaction again. These changes are occuring in real time because Santander keeps changing policy, as I am standing right in front of them.
I then decided to do XXXX certified check, withdrawal the maximum amount the bank told me I was authorized to withdrawal on my account and had to leave remaining difference in account! ( Can't make this stuff up! ) Fast forward 1 month later. Today, XX/XX/22.
Now I tried mobile check deposit and there is an issue. Continous error message!
The larger concern is who is reviewing Santander banking processes and the complaints because they have either flagged their system to deny me of banking services based upon ethnicity and/or previous complaints or they are intentionally just not providing basic banking services to customers!
Either way, this is not a good look and is extremely frustrating.
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| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
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Despite multiple disputes, Santander continues to willfully and wantonly violate the FCRA by refusing to report to every CRA that my account is DISPUTED BY CONSUMER and CLOSED BY CONSUMER. Moreover, Santander has failed to timely report payments including my payment of {$100.00} received on XX/XX/XXXX. Failing to comply with the requirements to report accurate and complete data and to mark my account as CLOSED and DISPUTED constitutes 3 separate willful violations entitling me to {$3000.00} in statutory damages. On XX/XX/XXXX, Santander wrote stating We understand that you believe the bank is inaccurately reportingto the credit bureaus and you believe that the card should be reporting as closed per your request on or about XXXXLastly, during your XX/XX/XXXX call you requested to close the card. As a result, our agent restricted the cardhoweverthe account will not close until the balance is paid in full. I diligently made multiple demands to close my disputed account but Santander has illegally refused to meet its obligation to report to every CRA documenting my account as both Closed and Disputed. Clearly, I closed my account, before the normal XX/XX/XXXX CRA dates but Santander knows its obligations to report my account as closed and disputed but it nonetheless intentionally violated its statutory obligations. Attached are excepts from my XXXX and XXXX reports of XX/XX/XXXX and XX/XX/XXXX.
|
| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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|
Web |
Older American, Servicemember |
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I was suppose to be the co-signer but they had me sign on the line as buyer,, which I should have looked at closer but I just signed where they had the little tabs marked. After I signed I was told I could leave and the ones buying the car were to stay. The car was repossessed and I found out afterwards I was the buyer so it messed up my credit. The other people werent told to sign anything but were given the keys and left. I didnt fill out an application but someone there did saying I make over {$46000.00} a yr. Which I dont. I only get {$590.00} a month social security. When I asked for a copy of the contract, I got it then about a week later I received a letter offering to buy the car back,, which I never had,, never even been in the vehicle.So it was a straw purchase using my credit score and someone elses income .Iwas lead to believe I was the co-signer and signed where I was told. Now its messed up my credit and were trying to get things done on our house but cant because of this. The vehicle was bought from XXXX XXXX in XXXX Texas and financed through Chrysler.I need this cleared up asap but all they say is well you signed the papers! If they would have been honest I would have never signed those papers. The vehicle was repossessed and sold in the XXXX area but theyre still showing I owe almost {$15000.00} on it. Please help me. I tried the XXXX and they suggested going through you.
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| 05/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
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|
Web |
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I am writing to you regarding my recent experience at XXXX XXXX XXXX XXXX XXXX in XXXX, GA, where I attempted to use a pre-approved auto loan from Chrysler Capital to purchase a vehicle. Despite providing all the necessary documents including proof of identity, proof of income, and proof of address, I was informed that I could not be provided a truth in lending statement or an approval for a loan without putting cash down on a car, regardless of which vehicle I chose.
I would like to bring to your attention that this practice is in violation of federal laws, such as the Truth In Lending Act ( TILA ) and the Equal Credit Opportunity Act ( ECOA ). TILA requires lenders to provide borrowers with a written disclosure of all loan terms and costs before the loan is consummated. This disclosure, known as the Truth in Lending statement, must include the finance charge, the annual percentage rate ( APR ), and the total amount of the loan. Additionally, TILA prohibits lenders from conditioning the extension of credit on the borrower 's agreement to purchase property or services from a particular creditor.
ECOA, on the other hand, prohibits lenders from discriminating against applicants on the basis of race, color, religion, national origin, sex, marital status, or age. It requires lenders to consider credit applications based on the applicant 's creditworthiness and not on any prohibited basis.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX
|
| 11/25/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am a victim of fraud from the get-go from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, PA XXXX XXXX and Santander Consumer USA on XX/XX/XXXX XXXX For that reason, I was misled and made an uninformed decision. First, during the extension of my credit transaction, the dealer told me that Santander Consumer USA requires a deposit of {$1600.00} before approving the extension of my credit. Now when it comes to my finance charge, I was not disclosed that the finance charge was the sum of all charges including the insurance. When I asked them if insurance is included they told me no that insurance should never be included in the finance charge and that I have to go get insurance myself. Upon my investigation, I figured out they have lied. Also during the transaction, I was never made aware of my right to privacy after a credit consumer transaction nor my right of rescission. Their intention from the get-go was to take advantage of me. My ''supposed '' contract with Santander consumer usa XXXX XX/XX/XXXX was never signed unless they forge my signature on my back. I have attached a copy of the supposed contract given to me on XX/XX/XXXX. To add salt to injury, Santander consumer usa has the audacity to steal my car on XX/XX/XXXX. For that reason, I am not able to work so I can pay my rent. I have a XXXX wife and XXXX XXXX old son. Because of their action, I am at risk to become homeless.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XXXX XXXX XXXX I contacted, again by phone, XXXX XXXX XXXX XXXX asking them to remove the collection they posted XXXX to the credit reporting agencies. Told them I had been promised the debt would be removed and would be given a letter to solidify the payment made XXXX. After, the rep said there was nothing they could do and that it was the law to report. Then even after mentioning fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802 in brief, I was still lied to about the removal of the account.
They have differing addresses and names...
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MA XXXX ( XXXX ) XXXX The second company, Chrysler Capital, I called in on XXXX XXXX XXXX about removing the late payments, ( which differ between the three credit reporting agencies ), that were reported for the year of XXXX. After explaining that I was told the late payments would be removed because a new contract was being made, ( because the old contract had expired, but notice wasn't given by any communication, yet I was still making payments until something odd online triggered me to call in ), I was informed that it was the law that they had to report it. And after speaking with a supervisor, explaining in brief fcra 15 u.s.c 1681a, 2, a1 ; 6801 ; 6802, that I was trying to resolve the issue by phone... I was meet with an " I'm sorry, there's nothing we can do ''.
|
| 11/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
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I purchased a lemon used car ( XXXX XXXX XXXX ) from Chrysler Capital in XX/XX/XXXX. The loan was a high interest predatory loan. Also I informed them.of the misspelling to my name on the loan documents. The car caught fire in the first week I had it I ask for a full refund 2 days after buying the car but was refused. The car had to under go 10 ton 12 repairs within the first 2 months I had it. I also received several manufacturer recalls in the mail during this time. This car was dangerous from the start and indangeraded my entire family.
The car eventually stopped running in XXXX XXXX, CA and I reported that to Chrysler Capital. I have communicated by phone, emails and certified mail to resolve this issue. The auto loan was sold from Chrysler Capital to Santanders in XXXX without my knowledge or consent. As mentioned above Santanders was involved in a class action settlement/lawsuit due to their involment of predatory lending. I was informed that I was to receive mometary damages and the title to the car within 6 months. It never came. To date I have paid {$17000.00} for a car that never worked. I have been attempting to get the title of my car released but Santanders will not release my title. I DO NOT have a contract with Santanders and any information from Chrysler Capital was given to this entity without my consent. I am still receiving DMV notificatioms for registration fees.
|
| 06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander Consumer USA is not compliance with the laws, By failing to update their records. The inaccurate reporting on my consumer report, after being ordered by the New State Attorney General XXXX XXXX is unacceptable. A loan balance remains after the vehicle has been illegally repossessed and sold. The proper documentation has not been sent to me with adequate time to remedy the matter. The right for one to be secure in their belongings ... without XXXX Unless accompanied by statement and oath or affirmation, as per the 5th and 14th amendment in the United States constitution, which holds the highest law in the land. Santander consumer USA is in violation of this, along with all of the other violations stated herein.
Santander Consumer USA has been involved in serious allegations that violated the consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk and knowingly placing these consumers into auto loans with high probability of default.
Santander Consumer USA has been ordered by New York State Attorney General XXXX XXXX in an effort to repair consumers credit reports, Santander Consumer USA will be required to reach out to credit reporting agencies ( for example : XXXX, XXXX, and XXXX ) and request the deletion of any negative reports for Santanders consumers who are receiving waivers on their loans or are receiving deficiency relief.
|
| 11/09/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX was contacted by Santander Auto finance regarding a balance owed on old car loan. Car was repossessed in XX/XX/XXXX and sold at auction XX/XX/XXXX. We received a letter stating it was being sold at auction, letter stated if there was a balance remaining we would be notified by mail. No contact was made by any means until XXXXXXXX XXXX XXXXXXXX when court hearing paperwork was received by XXXX. XXXX, paperwork had court date listed and was addressed to him and myself. After several attempts to contact the company in question ( XXXX and XXXX ) I was told that all the agents available had no information on the debt only that it was representing Santander and the amount owed was over XXXX dollars. I requested company send me all information on debt multiple times and was unable to obtain this information before the said court date. Court date was rescheduled. After reviewing the information the agency had I reached out to them to inform them that the debt in question was over XXXX years old and the statute of limitations in the state of Oklahoma is 5 years. The agency has since stopped calling or sending mail but a new attorney is now listed on the new court date where they are trying to obtain garnishment. I do not owe this debt but if I did owe this debt it is barred by the statute of limitations and this agency is not within the legal time frame to sue for judgement.
|
| 01/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I purchased a used car at XXXX and financed it through Santander. In addition to the car I purchased XXXX XXXX ( XXXX XXXX warranty service ) and paid over {$1000.00}. When I returned the car and purchased a new one, I was told that the monies for the XXXX XXXX for my old car would be returned to Santander, but I paid it to Car XXXX. Santander was supposedly paid the money for my XXXX XXXX and would eventually be paid back to me. This is unacceptable and illegal. The money I paid to XXXX XXXX should be returned to me by XXXX XXXX and not sent to Santander. XXXX XXXX claims the money for XXXX XXXX was paid to Santander to make sure the original loan amount is paid off, but that is mixing apples to oranges. I was not able to walk out of the store without making sure the car loan was paid/satisfied. When that happened, all of my money, INCLUDING THE FUNDS PAID TO XXXX XXXX FOR XXXX XXXX should have been settled. Sending the money owed to me by XXXX XXXX, to Santander, to see if I owed Santander money, when my loan to Santander was paid off is a frivolous waste of time and is illegal. It is simply a way for the XXXX companies together to mess with, hold up and deny the consumer their proper reimbursement. It has been a month since I traded my car in and have no information as to where my refund is. XXXX XXXX points to Santander and Santander points to XXXX XXXX. THIS IS ILLEGAL.
|
| 12/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
We purchased a truck in XX/XX/2022 from XXXX XXXX XXXX in XXXX MD. Santander financed the loan. In the process of the financing paperwork, it was a very rushed process as the business closed hours prior to our financing process. The XXXX XXXX at XXXX failed to go over the contract in its entirety and only told us the first payment would be due in XXXX days and the finance company would contact us. In addition, there was an incorrect address on our paperwork which means we failed to receive any statements by mail. I created a customer portal account in order to get notifications regarding the account, which I checked multiple times in the course of the XXXX days. There was no information in the portal. When I checked in XXXX, I saw the information and saw the account was delinquent. I immediately paid the XXXX and XXXX payment. However, it was already reported as XXXX days late. When Santander was contacted, they advised me that the 30 day late payment could not be reversed as they attempted to contact my husband ( the borrower ) but at no point did they contact me ( the co buyer ). We received nothing by mail nor did I receive any statement by email or otherwise. They admittedly reported that they had returned mail from us. I don't feel as though my credit should suffer due to mistakes of others and I am asking that this XXXX day late payment be removed off my credit.
|
| 06/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. See, 15 U.S.C. 6802 ( b ) In reference to the account ending in XXXX, I was never provided with the option to opt out of the furnishing of my private information to Credit Bureaus. I did not under any circumstance, subscribe or agree to the sharing of my information & I have incurred damages due to the tarnishing of my Financial Reputation without my permission.
There was also an issue of the mischaracterization of charges, which I challenged by requesting the itemization of the finance charge. The company has failed to provide me with the itemization of the finance charge, thus failing to provide true & accurate validation of debt. The importance of understanding the content of the finance charge is paramount to validating the validity of the contract under Federal Regulation.
The purpose of this consumer purchase was to acquire a vehicle for personal use & it clearly states that the holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant thereof or with the proceeds thereof, on the back of the contract.
|
| 10/25/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I was victimized by an XXXX scammer for {$960.00} in XXXX Seller used the familiar " send a dummy blank envelope '' to the same zip code as the buyer, and provide USPS delivery confirmation which ONLY shows delivery in a certain zip code, no actual proof of delivery, no signature. Santander refused to pursue my claim, despite there being NO proof of delivery- no photo of delivery, no signature, merely a USPS delivery confirmation scan in the same zipcode- which is part of the scam, as the item was likely delivered to a dummy address in the same XXXX mile radius.
Reference # 's XXXX Filed a complaint with the CFPB, Santander had a women named " XXXX '' who proceeded to waste my time and shine me on- not her fault, it's clearly her job- who gave no explanation other than " XXXX providing information that the item was shipped to the correct address ''. Just complete lies, laziness, and no interest in protecting a client.
Having previously been through this same process with XXXX, I know the next step is filing a signed paper stating NO MERCHANDISE has been received, at which time the merchant does not respond, and the money is returned. SANTANDER seems to be an absolutely shady bank which does not have the backs of it's clients.
Consumer fraud of the worst order, with absolutely no protection from who is supposed to be providing protection- the credit card company.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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I have disputed the reporting of my Santander loan 3 different times. They have not sent any results back. They did not conduct an investigation. The first dispute ( XX/XX/23 ) was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - Update Account to NEVER late '' was never investigated. the company did not respond. The second dispute was send on XX/XX/23. The dispute reason was " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - You did not enter a notice of dispute. You are in violation of FCRA.- Update account to NEVER late. '' AGAIN the company did not respond. My dispute status was never changed and I received no results from the investigation. My THIRD dispute was sent on XX/XX/23 and my reasoning AGAIN " Under 15 U.S. Code 1681s2 ( F ) Reporting information during COVID19 pandemic - This is my third attempt at disputing the late payments on this account. There was a loan modification. You are violating the CARES ACT and FCRA by not entering a notice of dispute. Update my account to never late or I will pursue litigation. UPDATE TO NEVER LATE '' The company still has no responded or updated my dispute status. I recieved a loan modification over the phone for my loan due to having covid. The company is still reporting late payments! I want my credit score uopdated. It has dropped my score XXXX points!
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| 04/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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When I buy the car I trading a XXXX XXXXXXXX XXXX the value on my XXXX it is about {$10000.00} the dealer put me {$3000.00} only on down payment when I signed a paper they told me that I have a guarantee on the card that I bought it and the car broke down on the second day that I buy and try to go to the dealer and they give me appointment they take like a one week when I take the cart the dealers gone disappeared and change all deals, They finance it to another company and after six months, I found out a letter from Santander consumer, letting them know that I have to pay the loan to then and I never make a business with Santander .The car is broke down from the second day that I bought it and they never answered and they never tell me what theyre going to do with the car, and I supposed to have them warranty so I keep in the car in the garage, I explain everything about the problem. I never do nothing into one day they pick up the car I called him and I let him know the problem with the car and everything and they never do nothing about it, the dealer disappeared another bank, make it deals, never sign it anything to Santander and I feel like Im stealing everything is stealing my home is stealing the cart that I bought it and they want to stealing my money to and they put me on the credit bureau so I want to clean my credit I dont want that count on my credit
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| 01/12/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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My vehicle I had under an auto loan with Santander and met into a car accident which caused the vehicle to be totaled. My vehicle payments had been on automatic payments and the money was immediately taken from my account every month on the same day. Santander decided not to take the final payment out of my account and did not bother to update me or let me know that they would not be removing the final payment from my account automatically nor did they send any email or letters stating that THEY would stop payments from the automatic payment system I agreed to on day 1 of receiving my vehicle.
Upon finding out the final payment was still outstanding I paid the balance in full, and Santander closed my account stating it was paid in full. 1-week later Santander reported to the credit bureaus that my account was charged off as a bad debt for {$780.00} when I had a {$0.00} balance and closed account being reported to me.
When I received notice that the account had falsely been reported as bad debt and that the balance of {$780.00} was incorrect as well I called santander to figure out why they would incorrectly report my account as a bad debt charge off when it is paid and full and closed the employer stated I no longer have an account with them because it is reported in their system as paid and closed so they refused to put me through to their credit department.
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| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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Dear SANTANDER CONSUMER USA INC I, the consumer and natural person, was denied credit by SANTANDER CONSUMER USA INC when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by SANTANDER CONSUMER USA INC due to the response I received. SANTANDER CONSUMER USA INC is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SANTANDER CONSUMER USA INC . If SANTANDER CONSUMER USA INC fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make SANTANDER CONSUMER USA INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
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| 10/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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On XX/XX/2022 my vehicle was broken into. An individual had stolen my debit card, license, license to carry card, multiple items and belongings, including any credentials that obtain to me and my well being. On the same day of XX/XX/XXXX I had found out my debit card was fraudently used in a quick manner and the individual ( whom I don't know or have never met ) spent over XXXX $ at multiple stores and local businesses. On the same day I reported the fraudent charges to my bank immediately and before a day had even passed. I also filed multiple police reports at different police stations near and in my town. I told the bank I never gave my pin to a friend, family member, nor a stranger. I also told santander bank that I never wrote down my pin anywhere. Although I obtained footage of the fraudster using my card at a local mart and provided the bank with 3 police reports, my claim was denied. The fraudster was also caught and arrested and my cards were recovered. Although the bank knew of this, they did not complete a thorough investigation. They denied my claim within 5 business days and never reached out to me once for any additional evidence that I had. I was also denied a provisional credit. They completely closed my claim. I have been banking with then for years, and I'm deeply hurt and disgusted. I would like to request help in obtaining my funds back.
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| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
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| 10/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2021, I went to the Iconic Motors company on XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX to purchase a used car with cash. XXXX XXXX assisted me with this matter but he also tricked me into giving him my personal information by filling out an application and using that application without my consent to have my credit ran for financing a vehicle. There was two vehicles I was looking at that just came in because 2 people traded in those vehicles 2 days prior to me arriving. I wanted to know the prices on them. XXXX XXXX stated that he would have to speak to his manager first. He left and came back and told me that if he doesn't sell them to the public they will have to sell the vehicles to a whole seller. I really wanted the XXXX XXXX. He stated he will call me back with a price. I called XXXX XXXX constantly for 2 weeks until XXXX XXXX called me back with an answer stating that they sold the cars to the whole seller. On XXXX, I checked my credit reports and contacted each credit reporting agency, I found out that my credit was ran by 4 different companies so I sent XXXX XXXX a notarized, signed document demanding an investigation and remedy on XXXX to XXXX XXXX XXXX. I was simply ignored. I contacted XXXX XXXX XXXX the XXXX XXXX XXXX Chamber of Commerce and he ignored me. I was constantly trying to resolve this issue with XXXX XXXX but I was discarded.
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| 11/03/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Santander never informed me they charged the vehicle off back in XXXX or XXXX but kept harassing me and my husband threatening to repossess the vehicle. One representative stated they want the full balance no payment installments or they will come take the vehicle. I reached out the Santander a numerous amount of times through the online website in their chat but no response until months later. When I finally spoke to someone, she told me the car was in the fraud department.
I answered plenty of calls and they threatened to take the vehicle but did not ask for proper location status. Instead, they attempted to collect a debt so they are in violation of this 15usc 1692b ( 2 ).
They are also in violation of 15 usc 1692d ( 5 ) with the harassing phone calls. They call all times of the day and night. If I miss the call, they call back to back and call my husbands phone harassing him. If yall charged it off a long time ago why keep calling and then saying we are trying to locate the car could you tell us where it is. Knowing where its at.
The representative was very unprofessional and discriminated against me in several phone conversations. She said to me they gave you a car without having a job mm thats XXXX and I said wait excuse me, then she said well you have to pay this and that.
There are a numerous amount of violations when it comes to this company.
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| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.
Thank you for your prompt attention to this matter.
Sincerely, XXXX
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| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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Chrysler Capital has a computer system in place to systematically steal additional automatic payments from customers, after a lease is fully paid off. I had a lease that was paid off on XX/XX/XXXX ( date given by Chrysler Capital ), by XXXX XXXX, in XXXX Then an auto-pay of {$440.00} was deducted from my account on XX/XX/XXXX ( according to my bank, Chrysler Capital stated the auto-pay was on XX/XX/XXXX ).
Simple mistake, right? Wrong.
Chrysler Capital never contacted me about the error. If I never contacted them, they would not have reversed the mistake. The first representative I spoke to at Chrysler Captial stated that no payment was taken from me in XX/XX/XXXX. Then the representative gave me " homework '' to go to my bank to get a special bank statement to prove that they took the money from me.
At this point, I demanded to speak to a supervisor.
After going through the whole verification process and story again with the supervisor, the supervisor stated that auto-payments had to be manually ended on their end. She also stated that she could see the payment deducted in XXXX, where the original representative could not.
Something is very fishy about the computer systems at Chrysler Capital. It appears they have been programmed to over charge customers, not refund over charges, and place undo requirements on customers trying to get refunds.
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| 06/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
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I am writing to file a complaint related to my recent consumer credit transaction for personal family and household purposes with XXXX XXXX XXXX XXXX XXXX pertaining to Regulation Z, which implements the truth in lending Act ( TILA ). Chrysler Capitol denied me credit which in good faith I truly believe my religion was discriminated against which is also a violation of Regulation B Equal Credit Opportunity Act when denied an extension of my own credit for personal, family, and household purposes. Specifically, I am concerned about the accuracy of the decision.
I was never given a copy of my credit application, I asked many of times to the dealership. They never gave me a copy of my credit application ; in fact, I have video of the sales associate saying that they normally just shredded the paper ( credit application ) so I shouldn't need a copy. I have everything documented through the whole transaction. Unfortunately, the videos are too large to upload onto the platform exceeding the limit of 10mb. But I can send the videos via text message if necessary.
I am requesting that you reverse the denial to an approval so I can proceed to my life, liberty, and pursuit of happiness. Thank you for your attention to this matter, I look forward to hearing back from you soon.
Dates : XXXX & XXXX XXXX XXXX Price : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I applied for credit through Chrysler capital online and was pre approved for up to XXXX to finance a vehicle on XX/XX/2023. about a week go by I go into the dealership XXXX XXXX XXXX on XXXX XXXX XXXX XXXX Rhode island, one of the participating lenders and bring in my approval letter that I printed from online as instructed. first I ask the dealership do they participate in ( TILA ) Truth In Lending Act. the salesmen name were XXXX and another XXXX XXXX veteran salesman and the other just started. after my question was ignored or not acknowledged told them the car I wanted to finance and then my name and social was asked to be given to complete another credit application after I was already pre approved so after I signed my name on the offer for XXXX down payment they came back and said the bank wants XXXX grand down. a week or XXXX go by I receive an adverse action/denial letter saying I'm denied due to no score. please take into consideration what the law states CODES OF FEDERAL REGULATIONS 1. ) 12 CFR 360.6 ( 2 ) speaks on transparency regarding the process of the consumer credit application being the financial asset.
2. ) 17 CFR 260.11b ( 6 ) as well states that the credit application is a self-liquidating paper.
3. ) 15 U.S. CODE 1605 states the finance charge does not include charges of a type payable in a comparable cash transaction.
4. )
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| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence usedin Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Sincerely, XXXX XXXX
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| 02/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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In XXXX XXXX 2022 I purchase a XXXX XXXX from XXXX XXXX in XXXX XXXXIn which they required me to make a down payment of {$4000.00} USD as a requirement to get the loan. Also they required me to get insurance in which the insurance was suppose to be included in the finance charge.As the original creditor of the said funds the car was paid from the day I issued them my credit card ie ( my social security Card ). However they reprocessed the car.Based on the Illegal activity and federal violations stated above the contract was void from the day I entered into the agreement.I also never gave them permission to sell the note I signed or report my private information to any third party such as the bank SANTANDER CONSUMER USA or the tow company that illegally towed my vehicle without consent.Based on all the violations stated above.I as the consumer have a right to privacy and also would like to hold them criminally and civically liable for identity theft as they did not have permission to use my signature in that manner.As the consumer I would like a total refund of all monies for my car, also I want to be compensated for each FRCA violation that occurred.I also resend my signature on all instruments used in said transaction.I also authorize you to do whatever it takes to get me justice for the crimes that have been committed by these corporations.
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| 03/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
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Web |
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Truth in lending violations. Inaccuracies in the Annual percentage rate, finance charges and the amount financed. Thus violating my consumer rights as defined by 15 U.S.C. at 1605 ; 1606. On XX/XX/2022, I went there for a consumer credit transaction, and due to my knowledge as of the timing of this complaint, Ive realized that this whole transaction was a fraudulent act that was taken against me during this transaction and after this transaction, the dealership which I went to XXXX XXXX dealership XXXX XXXX, FL. Violated all Acts 1 Act : Title 15 U.S.C. 1605 Due to my knowledge the finance charge covers everything, including premium.. which I was wrongfully made to purchase myself knowing the finance charges covers premium.. also there was cash involved which they made me put a down payment of [ {$1000.00} } Act 2 : title 15 U.S.C. 1611 I was given false information throughout this whole transaction Act 3 : 15 U.S.C. 1662 They promoted a down payment which is illegal and unlawful Due to dishonesty in this transaction, I do not know if this company really had an insurance license, because I know its required to sell consumer contracts. So therefore I was also violated for my premium rights, had to pay out of pocket, which were already covered for. Also Act 4 : title 15 use 1635 they didnt disclose that I had the right to rescind the contract.
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| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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As you know that there is no way for the public to pay debts since gold was confiscated by us govt in 1933. We were left with no way to pay for anything other than promissory notes offered by the Federal reserve. These notes simply tender the debt to a later date. They do not pay off debt. The only way to do that is by gold or silver. I paid my debt in silver. The company refused to accept my payment for debt discharge and according to XXXX law any valid form of debt payment if it is refused the company must now discharge the debt. They stole my payment and are refusing to follow the law set forth by the ucc. I placed them on notice of a proper lien that I filed with XXXX in my state and they did not dispute it. They have now stolen my property and the company they used to facilitate this theft is also denying me access to my property. You can not reposses property without a court order. Something they can not obtain bc the debt was paid in full. I am in desperate need of the return of my property. And local law enforcement will not do their job and recover said property. I don't know who else to turn to. But I do know that president Trump put out multiple executive orders to provide the people remedy through this bureau so I am requesting that this be done. I am in need of remedy immediately. Thank you. I can be reached at XXXX XXXX XXXX.
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| 04/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I've highlighted the inconsistencies and inaccuracies in the account information provided from the three credit bureaus : XXXX, XXXX, and XXXX.
Date Opened : There is a discrepancy in the Date Opened across the XXXX bureaus.
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Last Reported : There is a discrepancy in the Last Reported date between XXXX and the other XXXX bureaus.
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date Last Active : There is a discrepancy in the Date Last Active across the XXXX bureaus.
XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX These inaccuracies and inconsistencies may violate the Fair Credit Reporting Act ( FCRA ) provisions. In particular, they violate Section 611 ( a ) of the FCRA, which states that a consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate when a consumer disputes the accuracy of information in their credit report.
Given that the collection agency has verified the inaccurate information, the credit bureaus are now in violation of Section 623 ( b ) of the FCRA, which requires a furnisher of information ( in this case, the collection agency ) to conduct an investigation upon receiving notice of a dispute from a consumer reporting agency and report the results back to the consumer reporting agency.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
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Web |
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This issue is between Chrysler Capital, XXXX and XXXX.
My vehicle was totaled in XX/XX/XXXX and the account was not closed until XX/XX/XXXX due to issues between Chrysler and my insurance company. During the majority of this time, I was still expected to make payments. My last payment made was for the month of XX/XX/XXXX. This payment was made on time. However, when I review my credit with XXXX and XXXX, it shows a 60-day delinquency in my negative score factors, associated with my auto score. This delinquency does not show up on my credit report as a delinquency, but for the month of XX/XX/XXXX, instead of displaying that a payment was made, it rather shows that the account was closed. Because of this being coded incorrectly and not reflecting that a payment was made, it is causing the delinquency.
I have disputed this with the credit bureaus with negative results. I have also with Chrysler numerous times also with negative results. Chrysler stated to me that they are not able to update how that payment is coded even after acknowledging that a payment was in fact made and that it was made on time. They acknowledged understanding that it is affecting my credit score but stated there is nothing else that they can do for me. This is unacceptable. This has been very detrimental to my credit score that I have worked very hard to keep up.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XX/XX/XXXX, Account name : XXXX XX/XX/XXXX, Account name : XXXX of XXXX XX/XX/XXXX, Account name : XXXX XXXX XXXXXX/XX/XXXX, Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 05/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I have a XXXX XXXX account with XXXX XXXX that was linked to my Santander Bank account. I deposited a check given to me by a client in to this checking account, the check was bounced and as a result Santander put the account '' on Hold '' for 5 days. When it did it they never advised me of this-I did get a letter 5 days later advising me of this ; the same day the hold was lifted. In the meantime, not being aware that the account was on hold, I went in to XXXX XXXX, like I do every day, to buy coffee and a paper for {$5.00} for two days. These charges were approved in the store but subsequently rejected by the bank. When that happened, XXXX XXXX sent the two charges to a collection agency who in turn sent me two collection notices for {$40.00} each ( {$35.00} fee and the {$5.00} ). I tried to get the fees waived by the collection agency ( XXXX, XXXX, KY ) but they flat out rejected my effort. I then called Santander and was told that since they did not assess the 2 {$35.00} fees they would not refund them even though I pointed out that had they notified me when the account went on hold I never would made the two {$5.00} charges. When I appealed to a " Supervisor '' he also flat out rejected my request. While I am filing a complaint against Santander I do not think the collection agency or XXXX XXXX were exacttly consumer friendly.
|
| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
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Santander Consumer USA Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Annual Percentage Rate 18.00 % Account Balance XXXX If you would like to pay off your account balance, please Request Payoff Quote Account Maturity XX/XX/XXXX On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Texas. The dealership forced on me a XXXX XXXX XXXX with XXXX valued at XXXX telling me it was a must to purchase this warranty. As a result, I ended up with a car loan with Santander Consumer USA in the amount of XXXX with a usury interest of 18 % applied. Two months later, after speaking with the XXXX XXXX contract holder, I realized that the Warranty package was indeed optional and I canceled it. As such the outstanding balance on loan of XXXX has to be reduced by XXXX I contacted Santander Consumer USA and asked the following : 1. Use {XXXX to reduce the current amount due of XXXX 2. Reduce the monthly payment of XXXX because of the material reduction of the principle amount on which base the monthly payment were calculated.
Santander Consumer USA has refused both options which means they are using predatory lending practices which I am promptly reporting to CFPB.
Please negotiate on my behalf and bring Consumer Santander USA within normal and legal lending practices.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Phone : XXXX
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| 11/16/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX XX/XX/XXXX To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX for my Santander loan account.
I want you to know that I understand my financial obligations, and if it werent for My financial institution locking my bank account for 90+ days, as well as a recent natural disaster in my area hurricane Ian , Id have an excellent repayment record. I made a mistake in falling behind, but since then, The bank has unlocked my accounts and released my funds and we are slowly recovering from the property damage from hurricane Ian. Since then, Ive had a spotless record of on-time payments, As well as meeting payment arrangement and catching up the status of the account.
Im planning to apply for a mortgage and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments on XXXX, XXXX, XXXX, XXXX, XXXX & XXXX.
Thank you for your consideration, and I hope youll approve my request.
Best, XXXX XXXX
|
| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I am again reaching out about this issue with Santander and my auto loan. They are claiming that I have not made the payment, that I have proof showing I did. Now they are claiming that I owe almost a XXXX dollars due to the claims of my none payment that was withdrawn from my bank account. I do not understand at all how there is not a single person who does not see the highlighted areas on the bank statements, showing payment was taken. I have my bank statements proving that I made that {$540.00} payment on XX/XX/2023. I dont understand how the bank statements are enough proof to back up the incorrect allegations that I did not pay my bill when it clearly shows I did. If it werent such a large amount of money withdrawn from My bank account by Santander, I wouldn't be so upset. But unfortunately, its not just {$100.00} of my money. Its XXXX dollars missing as well as the accusations of not making the payment that was withdrawn from my account. This is completely unacceptable. I will not just back down from this. I have proof the payment was indeed made on XX/XX/2023. It was actually withdrawn from my account twice. Which then caused a return of one of the two payments charged to my account. So can someone please tell me where in the world the XXXX dollars go that was in my account to cover one of the two payments withdrawn?!?
|
| 06/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I had a checking account with Santander Bank that I called to close in XXXX. I thought it was all set. When I went to set up a business banking account with a small local family bank, I was denied three times due to having an open defaulted checking account. I was referred to a collections agency and took care of the balance. I called Santander to confirm they received this payment and they said they had and this should be removed from my report in a few days. One week later I went back to a second small local bank and it was still on my account. I called early warning services who said Santander never notified them of my payment, and that I could file a dispute but it could take up to 30 days. I called Santander again and they said they sent me a letter and emailed a copy but I never got it. In the meantime..Im sitting on business checks that I cant cash because I cant open a business account. How are small business owners supposed to support their families when they are repeatedly being denied a business account due to Santander not closing an account when a client requests it, letting it overdraft, charging outlandish overdraft fees that are now illegal, sending it to collections then NOT updating XXXX after the customer finally finds out about and pays off their account that should have been closed in the first place?
|
| 03/16/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/2023, around XXXX, I went to the Santander ATM XXXX at XXXX XXXX XXXX XXXX XXXX PA XXXX to make a {$500.00} cash deposit. I put in my card, entered my pin, selected cash deposit and put my money in the machine. It made some noises and then said that my cash could not be collected, remove and try again. The machine made some more noises but never opened. It then said my transaction could not be completed and returned my card. I tried to do a check deposit and a cash withdrawal, just to see if the ATM would open up, I did not want anyone to steal my money. While sitting there, I called the bank branch, # on the back of my card and the # on the ATM, no answer. The next day was a holiday, I had to wait until XXXX XX/XX/XXXX to speak to the bank. I was told someone would be out to check the machine, I asked to be there but they had no idea who or when the ATM would be serviced. A provisional credit was issued to me on XX/XX/XXXX and then taken from me on XX/XX/XXXX as they said the ATM was not over. They have refused to investigate this. The video should clearly show me sitting there for about 20 minutes. The machine was also inoperable for at least 2 days. I am asking for an investigation into who stole my money and I want it returned to me. Either the armored truck driver or the person who counts the money stole it.
|
| 07/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX XXXX : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information SANTANDER CONSUMER USA it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.
Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I am herby requesting all above disclosures required by Federal.
|
| 04/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
filed XXXX XXXX in XXXX, Santander who holds the loan for XXXX XXXX XXXX, that was purchased in XXXX, refuses to disclose any account information to me, I have called several times, and have spoken with different people, I received an email from my attorney on Thursday XX/XX/XXXX to reach out to them and I did, talking to XXXX ID # XXXX, she informed me that she did not have to disclose anything, in the email from the attorney I am being told, that a " motion to dismiss '' is being filed, and I do not know why this is happening, I do know I have paid more on these car in the past three years than would have been recovered in a XXXX XXXX, also, in XXXX Santander was sued due to high interest rates ( mine was 28.9 % ) that was charged and in the settlement people accounts was closed or interest rates made was modified, ( mine was modified in XXXX when bankruptcy was filed ) I was told I would not receive information on that either in the settlement, it states that if the car repossessed ( and mine was ) that we should have been notified and I was not, I filed to get my car back and get back on track with payments. If the " motion to dismiss '' my case is granted, Santander is stating money is owed and this is impossible, payments was made prior to the bankrucy and three years later are still being paid.
|
| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Hello, I hope this email finds you doing well. I am contacting about the forementioned company as I am going through the same issue as " XXXX vs. Santander Consumer ''. with my credit report being inaccurate and the damages it's placed upon my life!!
In XXXX of 2017, I went to XXXX XXXX and purchased a new XXXX XXXX. During XXXX, I had some payment issues and contacted their executive office for assistance... never received a response from them at all and about XX/XX/XXXX at about XXXX, they repossessed my vehicle, they sent me a bill of sale where they received {$6000.00} for the vehicle ... after reviewing my payments on my credit report, I've paid them {$11000.00}, adding the sale to that comes to {$17000.00}. Initial cost, {$17000.00}.
They are not counting what I paid to them and have placed on my report that I owe them over {$12000.00}... it's false and it continues to cost me financially, XXXX XXXX and physically every day!! After having my strokes mobility has now become a struggle. I've disputed this time and time again to no avail. I contacted IL Attorney General and presented my case to him. His recommendation was to seek legal representation as this issue must be addressed. I have attached all of my documents to you... please help me.
( I HAVE ALL OF THIS DOCUMENTATION ) XXXX XXXX XXXX
|
| 11/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Every month since the loan inception, at my time of payment every month I have attempted to pay additional principle payments on my loan. When you attempt to pay extra or when you attempt to pay any late fees incurred the system only allows you to pay the standard payment. Any attempt to differ the payment amount is met with an error that returns you to the payment page. The only way to complete the payment is to pay a normal payment of the exact monthly payment amount. The company has actively stopped me from paying off my loan early and I have also incurred late fees that I am unable to pay. When you try to call the company you are placed on hold for hours only to ultimately have the call time out. I have documented this problem with screen shots and video evidence of the problem. This is likely happening to everyone customer they have in an ongoing scheme to keep consumers in high interest loans as long as possible. This has left me in a situation where I can't refinance and can't pay down my loan quicker in an effort to increase my chances of a successful refinance. This has damaged me financially and has affected my ability to raise my credit score. Had this not occurred I would likely have made the equivalent of 3-4 full payments as principle on the account and would have avoided XXXX late fees.
|
| 09/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have completed the payment scheduled for the vehicle loan based on the agreed monthly payments. The maturity date for the loan was XX/XX/XXXX. The final payment was made on XX/XX/XXXX, and the payment was deducted from my bank account for {$440.00} as scheduled, yet Chrysler capital still withheld my title. Then, the information I received from the customer services agent was that I owed the month of XX/XX/XXXX in the amount of {$440.00} plus {$22.00} in late fees. Also, they stated that I was XXXX days past due, which was incorrect. Further, Chrysler Capital charged me late fees during the XXXX pandemic from XX/XX/XXXX - XXXX, even when the Government asked many dealers to pulse payments. I have attached evidence of those charges, and I am asking Chrysler Capital to waive those fees charged during the pandemic. Also, applied payment made in the amount of {$440.00} on XX/XX/XXXX, which was the final payment for the loan. I made several attempts to resolve this matter directly with Chrysler Capital, but the customer services agents weren't friendly to listen to my explanation. Please, help me to investigate these unnecessary fees and am open for negotiation to be able to collect my vehicle title. Note that I have paid the principal and interest for this loan except for these excess fees charged here.
|
| 08/17/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
From my previous complaint I have tried Numerous times to contact the Email i was given from Chrysler Capital and have yet to receive a response. I keep getting the run around when i contact the finance company I have VISUAL proof showing the XXXX company taking my vehicle stating it was in FACT Chrysler Capital who sent the XXXX XX/XX/2023 yet no one from Chrysler Capital has any notes or paper work stating it was taken this is getting very irritating and causing me much stress to where i am losing sleep and hair, i wake up at all times of the night checking to see if my car is still in the drive way I dont know who took my car that day cause Chrysler Capital doesnt know who it was either for all i know it could have been someone trying to steal my XXXX. My XXXX app caught the tow truck company taking my vehicle and now its having issues that Chrysler Capital does not want to help me with, i am coming up on the end of my lease and need to get this situation taken care of as soon as possible. I have NO letters No EMails no kind of documentation since the initial day i contacted Chrysler Capital! this is ridiculous this is the email i was given from CFPB along with the video evidence i sent them. it has now been XXXX emails with videos and no response! : XXXX XXXX XXXX # XXXX cfpb complaint # XXXX
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In accordance with the fair credit reporting act SANTANDER CONSUMER USA ACCOUNT # XXXX has violated my rights. This account has been paid in full and closed but it is still reporting inaccurate information on my credit report as a delinquent open account. That is inaccurate fraudulent information and has hurt me the previous few months in obtaining housing and business funding.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to the law U.S. Code 1681i- Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30 day period beginning on the date in which the agency receives the notice of the dispute from the consumer or reseller.
|
| 01/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
On XX/XX/XXXX I was selling an arcade on XXXX marketplace for {$100.00}. A guy was willing to pay me through XXXX and needed my name and email address, which I felt uncomfortable doing but apparently thats how you add people on XXXX so I gave it to him. He claimed he sent me the money but then I got an email stating that my XXXX account is not a business account so he needed to give me an extra {$400.00}, then I send it back. Since it was my first time using XXXX I thought it was weird having to do that but I figured that at least I wouldnt have to do it again. So I sent him {$400.00} but it was obvious in my bank account that my money left the account and no money came in. And then I got another email saying that I needed to give him another {$500.00}. I did not do it of course, but I called my bank to file a dispute. I got a letter in the mail stating that my dispute was denied because I had authorized it. Yes technically I did, but seriously, who intentionally pays scammers? Theyre tricky that way! I was also told to try to contact the guy to ask for my money back but his email is no longer active. And come to think of it I think he could see how much money I had in my account because I dont know how they would know how much money would be in or out of my account after all the transfers.
|
| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This company Santander Consumer XXXX XXXX has been reporting on my credit file, which another company has so called purchased the particular debt, and that company isn't reporting the accurate information itself. This has been something that I have been dealing with for a while now and it has been no complete merit done by the CFPB who supposed to regulate these companies to make sure there doing things right. I have submitted a complaint with your company before and I didn't feel like you guys have not completed a thorough investigation on my behalf. it took more than 30 days to verify, and any kind of information related to this illicit activity from this company listed on my profile. according to 15 U.S.C. 1681 ( 7 ) says that I want a verified detail description of the supposedly investigation from this company and what they have been doing. This has to be done in a timely manner or else this is grounds for deletion. The FCRA simply sates that all the information has to be reported to bureaus 100 % accurately and that's not what this company has been doing. They have been sued before for discrepancies dealing with consumers and the entities and the same thing that I'm dealing with right now, in the exact same time frame as the lawsuit started. I want this DELETED off my credit report.
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I took out a loan ( account number XXXX ) with Santander Consumer USA in XXXX for the purchase of a new boat.The boat is a vessel documented with the United States Coast Guard and thus does not have a state title. I paid off the loan in XXXX of XXXX but never received a satisfaction of mortgage. I sold the boat in XXXX of XXXX but the person buying the boat is unable to get the boat documented with the Coast Guard as Santander USA has still not submitted a proper release of lien to me or the Coast Guard. I filed a complaint with the CFPB and Santander sent me a lien release on XXXX XXXX. This lien release was sent to the Coast Guard National Vessel Documentation Center but was rejected as " the satisfaction of preferred mortgage is not eligible for recording because the legal capacity of the person signing on behalf of XXXX XXXX is missing. " The Documentation Center is requesting a new instrument be sent that includes the required information. I spoke to Santander Consumer USA today and was told that they would not accommodate my request and that I should file a second complaint with the CFPB. My first complaint with CFPBXXXX am requesting your assistance in getting Santander Consumer USA to submit an acceptable lien release to me and/or the National Vessel Documentation Center.
|
| 01/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX I deposited a check from the Treasury Department for {$9900.00}. On XX/XX/XXXX at XXXX the funds were available in the account. Since they were available I made a XXXX payment to XXXX XXXX to pay for a XXXX I am having for {$2000.00}. Before the check I deposited my balance was around {$1400.00}. At XXXX the bank put a XXXX alert on the check I deposited withdrawing the {$9900.00} from my account. Because of the XXXX payment I had made in the morning the account got overdraft for {$550.00} and change. I called them, I went to the branch and they said there is nothing they could do despite that they were able to verify that I work for the Federal Government and that the money was a loan from my XXXX retirement fund. They said that the hold could last between 1 day to 8 days without any warranty. They left me with absolutely no money to live until my next paycheck on XX/XX/XXXX because of what they did. They do not take responsibility of what they did. Till today they money isnt available. I had to borrow money from a friend until this is resolved if its ever resolved. I havent been able to pay for my XXXX with the loan I took for it and Im at risk of having my XXXX canceled and loose the flight and hotel reservation because of this unfair hold placed on my money.
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
The interest rate that I am being charged is well above the industry standard and is causing me a great deal of financial strain and stress. The company is Santander Consumer USA , INC. In 2021, I spoke to these people about the outrageous interest rate charge, but they did not care and would repossess the vehicle if not paid. We had to pay because my husband needed his vehicle for work and it was a struggle every month. We were barely getting by and then my husband is now fighting XXXX and we notified them again about high interest rate and that the vehicle is for my husband to attend physician visits and more but every month the bill comes the balance of $ XXXX does not go down. With payments of {$880.00}, {$180.00} goes to the principle and {$690.00} goes to interest, we will never see it go down. We have so much to deal with regarding my husband 's illness and I am his wife, support system, caretaker, and handling all household duties, chores, and looking and writing for resources and I am about at a breaking point. This company is heartless and is quite ugly when they are on the phone. They agreed to give us 2 months break in our payments but said that will just be applied the end payment for XXXX and XXXX of this year but are not willing to extend anything further.
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
SANTANDER CONSUMER USA ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
|
| 10/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
I am a XXXX XXXX XXXX. I informed the company several times to please give me time to make a payment or to help me make arrangements. I requested that they assist me in a potential deferment so that I could continue to get to XXXX XXXX. I was very communicative of my situation. I attempted to make payments that they returned. Then they repossessed my much needed vehicle right when I needed XXXX to remove a XXXX XXXX XXXX.
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Pursuant to 5 USC section 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall not use such record. Please contact me at the address provided to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. Thank you.
|
| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I attempted to remain in honor by tendering payment via an ambiguous negotiable instrument in the form of a paid XXXX. XXXX XXXX order. Which clearly states at the bottom that it is a negotiable instrument which I bought and paid for the rights to negotiate it. Money order number XXXX was made with the proper clauses and provision based on banking law in the amount of {$62000.00} in accordance with HJR-192 Public Law 73-10, U.C.C 3-603 ( b ), U.C.C. 3-311 and public law for negotiable instruments to Chrysler XXXX XXXX XXXX XX/XX/2022. They accepted my instrument, but did not credit my account correctly. I did call on XXXX XX/XX/XXXX and spoke with XXXX XXXX XXXX XXXX and XXXX XXXX ID # XXXX recording will be attached and they refused to stand in honor of the law by applying the proper payment. Even with the agreeing that they do accept legal tender, which is what I provided. Even with the ability for the instrument to remain negotiable which is an even greater benefit for them. I am filing a complaint and asking for an immediate investigation to rectify the situation without XXXX so they XXXX remain in honor. As it stands they are committing an illegal act and are currently in dishonor, as their practices are against the laws in which our country is built on.
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
According to the CFPB In XX/XX/XXXX, the bureau ( Consumer Financial Protection Bureau ) found that between XX/XX/XXXX and XX/XX/XXXX Santander violated the Fair Credit Reporting Act ( FCRA ) and Regulation V by furnishing consumer loan information to CRAs that it knew or reasonably should have known was inaccurate ; failing to promptly update and correct information it furnished that it later determined was incomplete ; failing to provide the date of first delinquency on certain delinquent or charged-off accounts ; and failing to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of information provided to CRAs.
I have disputed the information on my consumer report with XXXX, XXXX, and XXXX on multiple occasions : XX/XX/XXXX, XXXX XXXXDuring those disputes, I pointed out inaccurate information along with the variation of reporting across the CRAs. The information has continuously been verified or falsely updated by Santander.
My most recently dispute in XX/XX/XXXX was accompanied with physical proof that was provided by XXXX XXXX ( who brought the account after being charged off ) along with highlighting of FCRA ( Duty of Furnishers ) violations being committed but still the information was updated.
|
| 06/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On XXXX XXXX I purchased a car XXXX XXXX XXXX in the amount of {$62000.00} with my XXXX XXXX XXXX XXXX I was supposed to be the buyer and she the Co-buyer but that was switched around on the contract. The Car was purchased at XXXX XXXX XXXX XXXX and this does not display on my credit as a co-buyer it does display on the Buyers credit only. This has been error on my account for XXXX years and it is creating issues for me when I am applying for credit for the last XXXX years. I also was illegally charged a down payment of {$2000.00} statue 16 CFR 433.1 ( i ) which iterates Consumer credit contract is any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section. With that in mind and proper understanding you can review the definition of a finance charge as it is legally defined in 12 CFR 1026.4. As of XXXX XXXX XXXX the XXXX XXXX XXXX is not showing on my credit report as the co-buyer. This is effecting me tremendously. The vehicle is registered to me as the co-buyer with the state of Ohio but the Buyer of the vehicle with the state of Ohio. The contract state XXXX is the Buyer and I am the Co-buyer but she signed a co-buyer form and I did not.
|
| 06/27/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Unauthorized and unknown charge appeared on my statement for the amount {$1800.00} as of XX/XX/XXXX. Merchant completely unknown to me - " XXXX XXXX XXXX XXXX ''.
Raised dispute for the charge with Santander immediately upon receiving statement on XX/XX/XXXX, case XXXX. Santander denied it with nothing but " inconsistencies in the documentation that was submitted '' in response, no evidence. Contacted bank again, stated that card could be cloned, requested evidence of proof of purchase and merchant details and contact. Cases XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX. Received identical evidence free responses. Contacted the bank through branch representative on XX/XX/XXXX, requested specifically 2 pieces of evidence : proof of me authorizing purchase, detailed information on the merchant with contact details besides the name, which can not be traced to anything. Bank failed to provide either.
Bank claims that my card could not be cloned. I stated that my card was handled by vendors and sure could be cloned while out of my view among other things. But fact is I did not authorize the transaction and am not familiar with the merchant at all.
Attached is all of the written correspondence I received regarding the transaction dispute cases I described above.
|
| 10/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
THIS IS NOT A DUPLICATE COMPLAINT IT WILL BE IN CONJUNCTION WITH A COMPLAINT : Michigan Department of Insurance and Financial Services Complaint File # : XXXX.
It has come to my attention after Santander USA finally sent me an entire statement of all payments made that my down payment was not listed, not applied and not provided to them per the terms of my original contract. The amount of the down payment was {$3000.00} which is the same amount that Santander is stating that I owe to them at this time. The town payment was towards the loan amount principal balance NOT taxes titles and fees. Considering Santander USA is a predatory lender and has been sued with Michigan being part of that class action lawsuit it has impacted me directly. I am one of the consumers impacted directly and part of this lawsuit.
https : //santandermultistateagsettlement.com/Home/portalid/0 The amount on my credit report should have been forgiven and the title should have been sent to me but it has not been. Furthermore, considering that they are a sub-prime predatory lender who can not provide me traceability on where {$3000.00} went or my original contract which has been requested multiple times in writing, the stat needs to be removed until those things are furnished.
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| 07/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
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Web |
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After the fact, my findings reveal that I have been scammed in a " Pig Butchering Scam ''.
Someone reached out to me from a strange number ( XXXX XXXX ) on XXXX XXXX asking if I'm coming for a party. I responded politely that it's wrong number, and then this person who calls herself XXXX ( now I know everything is fake ) struck up a conversation and quickly wanted to move the conversation to XXXX XXXX She gave XXXX as her XXXX number and connected me on XXXX.
About a week into the conversations she started telling me how she makes money from XXXX XXXX and if I'll be interested. I said I don't do XXXX XXXX because I don't understand the algorithm. She ( maybe He, we can't even be sure ) promised to guide me step by step on how to invest. She asked that I download XXXX app and then XXXX XXXX for trading.
Over the period of four months, I've invested {$20000.00}, but when the time came for me to withdraw the money with the profits, my XXXX account was XXXX. But the XXXX app is still working.
So I made a complaint to my bank that I was scammed and that the bank should investigate the transaction and help me recover my funds. I told my bank that all XXXX transactions in my checking account are fraud. But my bank has been unable to do anything to help
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Credit reports from XXXX, and XXXX show a car repossession listed as an account that originated with Santander and has a {$0.00} balance due. The original lender was Santander and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had Gap insurance, therefore Santander was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. Santander did not report the amount it sold for, and never disclosed the amount to me, they were paid by the GAP insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, Santander sold that account to XXXX XXXX XXXX for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, XXXX XXXX XXXX are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and XXXX XXXX reporting agencies. This violation of FCRA laws has impacted my credit score for years.
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| 03/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem related to refinancing
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Web |
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I opened my car loan in XXXX of XXXX and made my first payment before the 45 days and they misplaced my payment maybe because I paid it too soon or they just did not have my contract work yet but that payment was never credited to my account. I have the paperwork to prove how much I paid paid except for the first payment made. I paid on this loan for 4 years and the balance never went down one cent. I spoke to Chrysler Capital and asked them why and they said because it all went to late fees. I paid them XXXX dollars in payments and finally the balance went down a couple XXXX dollars. So far I have paid them over XXXX dollars so far and they claim I still owe them XXXX to pay it off. Point is how come my balance never went down XXXX cent for the first 4years that I paid them. At one point about XXXX years ago they told me I had already paid them almost XXXX and again I asked them why did I owe so much. According to my records I am paying almost XXXX on a loan that was only for XXXX. Please let me know what I can do to get this account settled for a reasonable amount. I have all my payment records that I received from Chrysler Capital and can email them to you if need be. Thank You very much for your help Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
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| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
Servicemember |
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Santander Consumer USA or Santander Bank approved me for an auto loan at a dealership. They showed up on my credit report as the loan was aporoved. XXXX week after receiving the vehicle and loan and lease documents the bank began making weird phone calls to me After the Loan was approved about a fraud alert being associated with my credit profile. I asked them if my loan was already approved why would I have to remove a fraud alert so I removed it After I was approved. They then refused to acknowledge the removed alert and gave me a fake phone number to call to notify them them the alert was removed after being notified by phone in a different department. They then played phone tag with me harassing me and refusing to give me a real number and kept leaving a fake number in the voicemail. They were doing fraudulent practices by refusing to give me due process and recognize the fraud alert removal but kept asking me to call this fake number refusing to acknowledge the removal. It was credit discrimination and they did not want to complete the transaction so they kept directing me to a number that did not work. Photos of transcribed voicemail attached. My phone types the voice message while people talk and can prove this is what they have been doing.
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| 05/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Between XX/XX/XXXX & XXXX, 2023 my vehicle was improperly towed by XXXX XXXX and XXXX XXXX, hired by Chrysler Capital resulting to the vehicle being immobile and sustained cosmetic damages. XXXX XXXX and XXXX XXXX is requesting me to file a claim, however apart of the claim is requesting XXXX estimated of the damages which is immediately impossible since the vehicle can not be moved without causing more damage to the front frame. I reached to Chrysler Capital to advise next steps as thatll disorient the appropriate price of the sale of vehicle at an auction and they asked me for a video from the tow truck. The towing company is refusing to provide me with that information. Chrysler Capital XXXX XXXX XXXX and XXXX XXXX and refuse to reach out to them for the release of the video. This is going to result in me ultimately owing an alleged amount on the vehicle due to the negligence on both Chrysler Capital XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX behalf. During the time of pickup, Chrysler Capital failed to abide by Maryland state laws regarding repossession. Also during this time frame, after contacting U.S. Department of Transportation XXXX XXXX XXXX XXXX XXXX I also discovered XXXX is actually in lapse on insurance protection against property towed.
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| 06/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX Santander Consumer Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, TX XXXX.
To whom it may concern this letter is regarding the account listed above, which you claim is a collection that i have with your company.
I am requesting validation made pursuant to the fair credit act non compliance please remove from my credit.
I demand proof that the repossession of the subject vehiclewas legal in accordance with the following UCC : 9-506 effect of errors or omissions- not received 9-611 notification before disposition of collateral- not received 9-612 timeliness of notification before disposition of collateral-not received 9-613 contents and form of notification before disposiion -not received 9-616 explanation of calculation of surplus of deficiency - not received you are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle ( ucc9-627 ) If no such is provided withn 16 days of the receipts defiency will be considered null and void.
According to the fair credit act section 611 ( 5 ) ( A ) you are required to promptly deleteall information that is inaccurate, incomplete, which can not be verified
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| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I just login to my XXXX XXXX and see banks been tired to open, loan application also, collection that I didnt do theres a lot from XXXX Law-15 USC 1681- XXXX- collection {$1900.00} XXXX call me and said I have an bal of XXXX XXXX call me said I have a XXXX Santander call me and said a XXXX XXXX call me saying a XXXX check was deposited and they close my acc XXXX XXXX XXXX business call me saying a XXXX XXXX XXXX XXXX and they closed my account Nobody told me what to do how to go about it so Im reporting everything to get off my credit I didnt make any of these charges or tried to open any accounts i only have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/16/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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A financial institution that identified as a debt collector, Santander Consumer USA, has bee attempting to collect money for an alleged debt. This company has called everyday non stop until I requested that they cease attempting to verbally contact me. They have only complied to stop verbally contacting me. However, this company continues to report derogatory remarks on my consumer file to the consumer reporting agencies. Pursuant to 15 USC 1666b, section ( 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. '' This company has refused to cease reporting to the consumer reporting agencies even after I requested that they stop. They also threatened to seize my property even after I have notified them numerous times of their violations against my consumer rights. I have been in communication and in dispute with this company for 4 months now. They refuse to acknowledge any of the claims I presented even with the consumer laws to support. I have also notified the consumer reporting agencies as well, and their reinvestigation has not been impartial and fair with respect to the law. I will attach documents of their correspondences as well as mine.
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| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I had came to XXXX XXXX XXXX looking to finance a vehicle in XX/XX/2022. I was approved and financed through SANTANDER CONSUMER USA HOLDINGS INC. for {$34000.00}. I put down {$2500.00} for a down payment, and was able to drive away with the vehicle. 2 days later the vehicle was having mechanical issues which I informed the car lot XXXX XXXX XXXX. XXXX XXXX XXXXXXXX instructed me to bring the vehicle back which i did that same day I called ( XX/XX/2022 ) and they took the car back saying they will fix it but it has been a over year since then they have had possession of the vehicle. When I check my credit report I'm being penalized and charged for a vehicle I do not possess, the car lot XXXX XXXX XXXX has had possession of the vehicle the entire time and hasn't reached back out or contacted the finance company and informed them of the situation. So my credit is being affected by this situation which is completely absurd and is a violation to my rights according to the Fair Credit Act. I did contact Santander Finance Company and informed them of the situation multiple times which I've documented and made sure they documented as well. I've also filed a complaint with the Federal Trade Commission as well as the Illinois State Attorney General.
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| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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I applied for and received a 6 month grant from my state, Pennsylvania, for XXXX mortgage relief funds in XXXX, XXXX. This grant pays my mortgage monthly for six months and concludes with the XXXX, XXXX payment. PA submits these payments electronically through XXXX. Payments have been made up and through XXXX, XXXX. PA 's last and final payment through my grant will be next month. Santander has only recorded TWO ( 2 ) of those months, XXXX and XX/XX/XXXX, showing me delinquent for THREE ( 3 ) months. Santander utilizes XXXX to process their electronic payments from customers and customers grant monies. I have been corresponding with Santander 's Loss Mitigation Department via email and phone since the beginning of XX/XX/XXXX regarding their non-recording of payments to my account. My biggest concern is that come XXXX, XXXX when I must make a payment from my own funds that Santander will apply it to those months that they INACCURATELY CLAIM are past due. I have provided Santander Loss Mitigation with XXXX 's ID # 's for each payment as given to me by the state of PA. I even provided the dates of issue and the dates that XXXX ACCEPTED and RECEIVED those payments ( in other words XXXX, Santander 's contractor ). How can you help me with this?
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Company : SANTANDER CONSUMER USA Furnished date : XX/XX/2020 Bureaus Reporting : XXXX ; XXXX I was able to seek legal advice on cleaning up my consumer report, and noticed I have rights as a consumer granted to me by Congress. After studying I noticed this company along with several others have been violating my rights and taking advantage of me as a consumer.
Violations : 15 U.S. Code 1666b : Timing of Payments 15 U.S. Code 1681b Permissible Purpose of consumer reports 15 U.S. Code 1681e Compliance Procedures I reached out to this company with several attempts explaining how they are violating my rights by furnishing accounts without my consent onto my consumer reports, as well as directly ignoring my Congress granted rights. I also reached out to XXXX and XXXX to dispute the account but the company ignored my request and did a subpar investigation into the situation that took only 1-3 days long.
I am requesting this company ( Santander Consumer USA ) to remove the account from my consumer report immediately. There is no excuse for ignorance of the law. I am not disputing the fact the account belongs to me I am simply requesting to keep the transactions and experiences by us private and to not be shared with any 3rd party agencies.
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| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Older American, Servicemember |
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XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX for {$4000.00} to {$5500.00} to purchase a XXXX XXXX. The starting price on that vehicle is {$60000.00}. However, that is not disclosed until you are present at the dealership. That vehicle was out of my range.
Since I was there and pre-approved. I selected another vehicle, XXXX XXXX XXXX XXXX, {$30000.00} was within the pre-approval range. The business manager ran a credit report irrelevant of the pre-approval. Then, I was allowed to take the vehicle for a test-drive. I drove the vehicle to my residence XXXX miles from the dealership. There I transferred monies to my account for the down payment. Prior to my return, I received a call from the salesman inquiring, 'Is everything alright '? I told him, where I was and what I was doing. I'm not sure of the time lapse because the salesman told me to take my time. I wasn't aware of the time restraint. There was XXXX miles on the vehicle for a test drive. Upon my return, I had a credit and debit card for the down-payment, they would not accept the debit card and I went to the credit union for cash. When, I returned the business manager had everything prepared for signatures the credit options weren't disclosed or addressed.
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| 08/10/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Bounced checks or returned payments
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Web |
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On Sunday XX/XX/2023 the available balance in my Santander checking account was XXXX. This was money sitting in the account for a while and there was no hold whatsoever on these funds. Anticipating a large expense I deposited into the account a credit card advance check in the amount of XXXX dollars.
Santander bank put a hold not only on this new transaction, unbeknownst to me they put a hold also on the XXXX that was sitting in the account prior to this transaction, resulting in checks and ACH purchases and credit card payments being returned for insufficient funds. I immediately called Santander but the manager at the local branch was unable to stop the back office from bouncing my checks. I could not write any more checks until I got this situation resolved otherwise the checks would bounce. I pleaded and told them that the XXXX was free and clear and there was sufficient funds for all the checks & payments. It took until midday Thursday till they released the hold on my account. Santander bank illegally restricted me from using funds that were free and clear for practically a week. If the government wants consumers to have confidence in the banking system they need to oversee and fine institutions who withhold funds without merit
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| 11/30/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I received a phone call from someone claiming to be from Santander Bank stating my account had been compromised. I was then sent a one time passcode from a text message while on the phone with this person. After being told my account has been locked and I will be sent a new card, the call ended.
After the call ended, I received an email from XXXX ( partner with Santander Bank ) stating my account information had been changed and to immediately contact Santander fraud if this was not the case. Before contacting the fraud department, I checked my bank account to see that all three accounts ( a savings account, my XXXX year old daughters checking account in which I am the guardian of, and my checking account ) had been cleared of all money. I further went into the XXXX feature through the app in which I saw a {$2500.00} transaction was completed in addition to a {$950.00} transaction to two different illegitimate emails, similar to my own. A total of {$3400.00} was taken from my accounts leaving me with {$0.00}.
An immediate initial claim was filed on XX/XX/XXXX which was denied about a week later for inconsistencies. A second claim was filed on XX/XX/XXXX and again denied claiming inconsistencies. No further information was given.
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| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Have contacted all 3 credit reporting agencies via online dispute system, numerous letters, and phone calls to remove Santander Consumer USA data from all 3 reports. All 3 agencies are reporting different information regarding the account. Payment arrangement was set up with Santander in XXXX and within two weeks of payment arrangement, account was transferred to Collection agency XXXX XXXX XXXX XXXX XXXX ) which agreed to remove negative Santander Consumer reporting from all XXXX reports, once balanced is paid in full.
I was advised they would report to Santander to remove the negative item in full from my reports because they would have settled the account. Once the payment was received, within 30 days Santander Consumer USA would no longer be on any of my credit reports. Payment of {$2300.00} was paid via debit card on XXXX XX/XX/XXXX and the negative reporting is still showing on all 3 reports from Santander with a balance of {$15000.00} since XXXX.
This information is inaccurate, outdated, and deems are unfair reporting practices. I have disputed this line item several times with the credit bureaus and each time it comes back with item remains with explanation.
This adverse reporting is affecting my overall score.
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| 08/21/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Older American |
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On XX/XX/XXXX, I was approved for a XXXX personal loan from Santander Bank ( loan # XXXX ). Since I didn't hear from anyone on XX/XX/XXXX I called the number on the initial correspondence XXXX XXXX XXXX At that time i was advised that my loan processor was XXXX XXXX XXXX. After speaking with XXXX XXXX, he requested my drivers license and my passport which I scanned for him. After that date I didn't receive any return calls. On XX/XX/XXXX I again called and spoke with XXXX XXXX who stated that I would have to re-submit my credentials, which I did again.
After receiving no call back on XX/XX/XXXX I called and spoke with XXXX who stated she will let XXXX XXXX know that I called. No call back.
On XX/XX/XXXX and XX/XX/XXXX I spoke with XXXX XXXX after I initiated the calls.
On XX/XX/XXXX I spoke with XXXX XXXX stated XXXX XXXX was not available.
On XXXX and XXXX I complained to XXXX about no calls from XXXX XXXX and they hung up the phone.
On XX/XX/XXXX, I received an email that XXXX XXXX withdrew my loan application without consulting with me or explaining the reason.
I then went to my local bank and was told that they can get me a loan at 11.74 % which is a payment of more than XXXX per month.
BAIT AND SWITCH!!!!!
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| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit act this creditor violated my rights under 15 US C 1681 a I have the right to privacy. After careful review of my credit report I noticed several inaccurate information and also saw accounts I have no knowledge of I did submit disputes on all accounts that I viewed as being fraudulent and requested they be removed Because of the mistakes on my credit report I have been wrongfully denied credit and also denied for apartment rental screenings which was extremely embarrassing and negatively impacted my lifestyle. I asked these credits to provide me with written consent from me with my signature and address which I never got back from them all I saw on the report was my dispute was denied and deemed accurate which is not the case there are addresses and places Ive never lived on these reports.
Report # XXXX Acct XXXX Creditor XXXX XXXX XXXX This account is listed as being late more than 90 days I account does not belong to me.
Report # XXXX Address ID XXXX XXXX XXXX XXXX XXXX This account is listed as being more than 90 days late this account does not belong to me.
XXXX XXXX XXXX Acct # XXXX This account is listed as being more than 90 days late this account does not belong to me.
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| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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This complaint is an add on to my last complaint since it only allows me to list 3 companies.
XXXX XXXX XXXX XXXX SANTANDER CONSUMER There are hard inquiries on my credit report that were made without my authorization. I was not able to reach a representative with Santander Consumer to dispute it. I was able to reach a representative with XXXX XXXX, however they were not helpful. I told them that I wanted to dispute a hard inquiry that was made without my authorization. The representative asked for my account number. I told her that I do not have an account with them. I asked to speak to a supervisor and she told me no and that if I do not have an account with them, they can not do anything with my credit report. I proceeded to ask her why they ran my credit then if I do not have an account with them. She did not answer my question and told me that I needed to contact the credit bureaus. I told her that I already did and that they told me to contact the lenders. She stated again that if I do not have an account with them, that she was unable to assist me. I reiterated to her that I do not have an account with them, which is why I'm disputing an inquiry that was made on my credit report. She hung up the phone on me.
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| 08/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I had a Car loan with Santander bank in XXXX through XXXX. During that time I had very low income and I was unable to pay the monthly bill and was charged outrageous amount of fees and interest that resulted in me paying my loan amount over 3 times the amount the contract was for because they did not provide me resources when I was in need of financial hardship assistance. My son and I had to live with my parents as I could not afford to live on my own and we lived XXXX XXXX XXXX XXXX. I had to seek help from friends to afford to feed my son because if I did not pay my loan I could not go to work to pay my car. I worked only to pay my loan and I had nothing else. There was a lawsuit I was never made aware of that Santander consumer settled on and I had never received a letter to join as this was unethical and other consumers were taken advantage of. I was not qualified for that loan but they approved me knowing I could not pay it and would suffer tremendously in life like I did with my XXXX child. I asked for the fees and extra interest applied to be reimbursed to me, as I continued to pay the car and outrageous fees so my credit wouldnt be damaged which they did anyways and I couldnt purchase a car for a long time
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| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I paid off my XXXX XXXX loan on XX/XX/2023. Approximately one week later, I called XXXX XXXX to confirm that they had received the final payment and that I had a XXXX balance. I was informed by the customer service operator that they had received my final payment and that I did have a XXXX balance. I then requested a document on their letterhead to prove that I have a XXXX balance and that my account was paid in full. I was informed that XXXX could not accommodate my request, but I will receive a final statement that shows a XXXX balance, and I can use that as proof that my account has been paid in full. Approximately two to three weeks later, I did receive a statement from XXXX XXXX. The statement reflected my final payment and informed me that I had a XXXX balance and that a payment was not due. In XXXX of 2023, I ran my credit report from the big three reporting agencies so that I could review for errors. My credit reports reflected that I owe XXXX {$190.00}. I disputed this amount with the credit reporting agencies and provided supporting documentation. Upon completing the investigation, it was found that XXXX is reporting accurately despite having statements from XXXX informing me that I have a XXXX balance.
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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my credit has been low do to a charge off that was placed on my account while recovering from a car accident. after I fully recovered On date XX/XX/2022 I look more into the credit report to see if there is anything wrong with the report placed for the charge off. I made a dispute to all 3 bureau because I seen discrepancy, and inaccurate information.the balance wasn't matching the past do, the written of balance, and the original balance. also irs passed law that gross income shouldn't be on your consumer report and I didn't receive the 1099G form as well as several violation 15 U.S.C1681s-2 ( a ) ( 1 ) ( a, 15 USC 1681e ( b ) which I let the live agents know. and asked after investigating to remove/ cease/ delete the inaccurate account and they ended up updating it instead.I again tried to dispute it again for the same reasons because when they updated it the balance was more the account been closed and charged off and wasn't matching so again for inaccurate account and several violations because I prior disputed for same reason and they ended up updating the information once again and as of right now the account once gain is under dispute for the 3rd time multiple violations need it removed AS soon as possible
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| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am the original creditor. See XXXX XXXX XXXX XXXX XXXX.
United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action.
XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation.
15 USC 1692 congressional declaration of purpose.
House XXXX XXXX XXXX!!!
In accordance with the fair credit reporting act The principal debtor is responsible.
15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions.
15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose.
AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ).
Remove the fraudulent XXXX claims.
Thank you.
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| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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As I have been reading the FAIR CREDIT REPORTING ACT 15 USC 1681 section 602 a clearly states, there is a need to insure that consumer reporting agencies exercise their main responsibilities with impartiality, fairness, and must respect for the consumers right to privacy.
XXXX, XXXX are consumer reporting agencies and I am a consumer thats the first thing .and I have the right to make my information is private and isnt just. Which is also backed by 15 USC 6801 clearly states its the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality and now I will also place laws on here that cover me as well.
( Furnisher of information to credit agencies ) 15 USC 1681 section 604 ( a ) section 2 and subsection ( c ) also 15 USC 6802 ( b ) ( c ) And 15 USC 1681C ( a ) ( 5 ) expect as authorized under subsection ( b ) 15 U.S Code 1681 s-2 ( A ) ( 1 ) Also 15 U.S Code 1681e and 1681c, 1681b Because XXXX and XXXX are not maintaining reasonable procedures and also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time so I AM OPTING OUT OF YOUR REPORTING SERVICES!!!!
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| 08/31/2023 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
- Paying off the loan
|
|
Web |
|
|
I opened a business line of credit with Santander Bank for $ XXXX in XX/XX/2019. During the pandemic, they decided they wanted the loan paid in full. I never received this notification, but even if I did, I would not have been able to come up with all that money. My business was severely affected during the pandemic. I even contacted them during, to find out what programs they had available just in case I couldnt make payments. They automatically withdrew monthly payments & there was over $ XXXX from which they would take. I got a call from XXXX XXXX who was working out an extension, refinancing of the loan. Next thing I know, they had me in court & refused to accept any agreement for a repayment plan. They have been aggressive & unreasonable during the entire ordeal. They have now secured a judgment against my company which will permanently close my business. At no time did I say Im not repaying the loan. I just wanted a repayment plan & once I can get another loan I would pay the full. They asked me for financial information to determine a payment plan, but was never interested in that. They were bent on destroying my company. My company is the sole provider for my family & we will be severely impacted
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Dear CFPB Please see attached files For months/ years I have submitted complaints to XXXX regarding fraudulent items on my credit report and for months/years they have ignored my requests to remove/Delete these items. These are NOT transaction made by me as a consumer yet XXXX keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed/ Delete within 4 days of receipt of this letter. I would like for the item " SANTANDER CONSUMER USA '' listed in the attached documents to be removed/Delete immediately. I look forward to your response.
|
| 10/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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My car was repossessed back on XX/XX/2022, I paid the balance of {$2100.00} not to the exact I remember to get the car back. I asked the agency were there any repo fees they stated that there weren't any .I also reached out to you guys and filed a complaint against Santander Consumer .Santander also replied back sent a letter that stated that my next bill wasn't due until XX/XX/2022. I made two different payments although they werent exactly on time but they were for the month of XXXX payment. Santander had been calling me repeatedly and I called them and asked them why they kept calling me and thy stated I hadn't paid my XXXX bill because they added it my repos fees and applied it to XXXX payment. The agency never sent me a letter telling me about the repossessions fees I had talked to several agents and Ive gotten different stories .If I go online and pay my car note than it should state that it was going to repossessions fees. I called Friday XX/XX/XXXX and got a supervisor and he argued with me back and forth and hung up in my face. The agency stated that the repossessions fees wasn't showing up because they were waiting for the repossession agency to send the bill this is not how business works.
|
| 08/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I sent in my payment for XXXX of {$480.00} and it was cashed on XX/XX/2023. On XX/XX/2023 I was contacted by my bank Santander Consumer USA for a missing payment for XXXX. I told them I sent it out on XX/XX/2023 and it was cashed on XX/XX/2023. He said I would need to fax over a copy of the clears check both front and back to XXXX so they could apply the payment accordingly. I contacted my financial institution and they could not provide me with a copy of the check because of how Santander cashed the check and could only provide me a copy of the transaction and bank statement showing the check number and amount of the check. I faxed that over. I gave them a few days to process this and called back. They said that they still needed the copy of the check back and front. I also needed to give them the correct month of bank statement showing the correct check number. I have given all the information I am able to obtain and its not good enough. I always make my payments and make them on time. They should be able to tell that its is my check by the numbers coinciding with each other and the amounts of each check. They have given me a complaint number for future calls but this has taken too long as it is.
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
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Web |
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Santander Account XXXX. : XXXX : SANTANDER BANK IS INACCURATELY REPORTING LATE PAYMENTS ON MY ACCOUNT. SANTANDER BANK IS FALSELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX and INACCURATELY REPORTING A LATE PAYMENT FOR XX/XX/XXXX. BOTH LATE PAYMENTS ARE INVALID, UNPROVEN AND INCORRECT.
THIS INACCURATE REPORTING IS CAUSING ME FINANCIAL HARM.
SANTANDER BANK NEVER FURNISHED ME THEIR BANK STATEMENTS WHICH IS THE ONLY LEGAL PROOF THAT IS USED IN A LAWSUIT DISCOVERY PROCESS.
SANTANDER BANK NEEDS TO LEGALLY PROVE WHEN OR WHEN NOT MY PAYMENTS WENT INTO THEIR ACCOUNT. WHEN DID MY PAYMENTS SUPPOSEDLY ARRIVE LATE INTO THEIR ACCOUNT? WHERE ARE THE BANK STATEMENTS SHOWING THAT MY PAYMENT ALLEGEDLY WAS NOT DEPOSITED INTO YOUR ACCOUNT? WHERE ARE THE BANK STATEMENTS TO PROVE ANY LATE PAYMENTS?
SANTANDER BANK NEVER LEGALLY SHOWED ME PROOF THAT MY PAYMENTS WERE ALLEDGEDLY LATE!
SENDING ME A SIMPLE PAYMENT HISTORY STATEMENT IS NOT LEGAL PROOF OF ANY MISSED PAYMENTS, FURTHERMORE A PAYMENT HISTORY AND ACCOUNT STATEMENT CAN BE>AND IN MOST INSTANCES IS INACCURATE, INCORRECT AND FULL OF MISTAKES.
JUST LIKE IN A COURT HEARING I NEED LEGAL PROOF THROUGH BANK STATEMENTS FROM SANTANDER BANK, EVERYTHING ELSE IS ONLY HEARSAY
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| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was checking my credit, and saw multiple inaccuracies, accounts, inquiries, personal information.
Address : XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Auto Loans : XXXX XXXX XXXX Reported XX/XX/XXXX Highest Balance of : {$19000.00} Opened : XX/XX/XXXX ( XXXX, XXXX ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Account Status : Derogatory ( Auto Loan ) Remarks : Charged off as bad debt Purchased by another Lender Closed : XX/XX/XXXX Credit Cards : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$9200.00} Credit Limit : {$9000.00} Opened : XX/XX/XXXX ( XXXX, XXXX Mos. ) Last Payment : XX/XX/XXXX Current Payment Status : In Collections/ Charge-Off Amount Due : {$9200.00} Account Status : Derogatory Type : Credit Responsibility : Individual Remarks : Charged off as bad credit Canceled by XXXX XXXX Closed : XX/XX/XXXX Inquiries : XXXX Inquiry : XX/XX/XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Collections : XXXX XXXX XXXX Reported XX/XX/XXXX Balance : {$5700.00} Opened : XX/XX/XXXX Account Status : Open Type : Derogatory Responsibility : Individual Remarks : Places for Collection Original Creditor Name : XXXX XXXX XXXX XXXX Closed : XXXX XXXX
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
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Web |
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I purchased a car on XXXX, I paid for it in full, and received the title and registration. The title and registration I was given had no lienholder on it. I went ahead and did a smog, went to the DMV got my registration, and got my title. After a while I decided to sell the car, I went to XXXX, and XXXX told me there was a locator hit on the car by Santander USA and that I could not sell the car and had to contact them since there is a lien. After calling Santander 50 times, they finally asked me to send over my documents which I did after they saw the title which is in my name, and the registration which is also in my name with no lienholder they are refusing to release the lien from the title. I contacted the previous owner and he told me he never financed the car and he paid for it in full also. I want Santander to remove the lien they have on my car, I have never financed this car, their issue is with whoever financed it not me. If they would like to buy my car back from me that's okay too, I will sell it for {$10000.00}. Santander has me in limbo and every time I call they say they can't give me any information because I'm not the account holder, of course, I'm not I NEVER FINANCED THIS CAR.
|
| 02/16/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem when making payments
|
|
Web |
|
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Simply attempting to payoff my HELOC account - Santander failed to post the payment I sent - {$12000.00} and double charged interest which is highlighted in the XXXX statement which I included. They acknowledged posting an incorrect payoff amount by sending me a check for {$5.00} - but how is that legal or an accepted practice?
Secondarily - total credit balance should be {$88.00} after the {$1400.00} payment at the end of XXXX- see below : Balance after the {$1400.00} payment was made : {$12000.00} XXXX - interest due for the statement period as summarized on the statement XXXX - satisfaction fee {$12000.00} - should be total due There were two payments sent : {$170.00} - pulled automatically - but additional interest was taken out of this payment not captured in the summary {$12000.00} - balance payoff sent- though not applied as such - can provide documentation if necessary {$13000.00} - total payments sent The difference between balance due and payments sent should be a credit of {$88.00}.
The bank has already said they closed the account and my concern once. I've asked them to review again - based on above.
This is simple math that a citizen shouldn't be fighting with a bank over.
|
| 01/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
Older American |
|
XX/XX/XXXX I was financed for a vehicle through Santander Bank. ( {$22000.00}. & change ).
I left the dealer owing {$17000.00} ( monthly note {$360.00}. ) XX/XX/XXXX while inquiring to Santander I was informed balance due {$16000.00} XXXX IMMEDIATELY requested refinance through my XXXX XXXX.
XXXX XXXX Santander stole the vehicle AFTER receiving the FULL PAYMENT. ( ( {$17000.00} ) from my XXXX XXXX in an attempt to extort an additional {$500.00} from me by telling me to take the funds to the impound lot to collect the vehicle.
On several occasions I called Santander and asked " are you forfeiting {$17000.00}. for {$500.00}? '' the reply was yes so, I stopped payment on the {$17000.00} check from my credit XXXX.
I no longer had the vehicle.
XXXX XXXX I received correspondence from XXXX XXXX XXXX ( XXXX XXXX ) attorney for Santander ( enclosed ) the word that caught my eye was 'inadvertently ' no one gives a receipt without payment in full ( removed XXXX XXXX ).
Since XX/XX/XXXX I have received at least XXXX ( XXXX ) letters from XXXX XXXX attorney for Santander. although I have met their terms, Santander has not lived up to what THEY said they would do via their legal representation.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information.
Account : Santander Consumer USA Late Payment : XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
|
| 11/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I, XXXX : XXXX, XXXX XXXX XXXX for exercising my consumer rights in good faith under the CONSUMER CREDIT PROTECTION ACT and denied the use of my own credits pursuant to 15 U.S.C. 1691. Equal Credit Opportunity Act makes this unlawful. SANTANDER CONSUMER USA and XXXX XXXX pursuant to 15 U.S.C. 1692j, furnished an application which is a deceptive form and that is unlawful to design and used my personal information without my written consent, making this identity theft. I was not given full disclosure about all material facts. SANTANDER CONSUMER USA and CHRYSLER CAPITAL has communicated with credit agencies without my written permission which is identity theft and also a violation of my consumer rights. SANTANDER CONSUMER USA and CHRYSLER CAPITAL quoted me charges that totaled more than the finance charge and did not include any insurance premiums with services pursuant to 15 U.S.C. 1605 ( a ), 1605 ( b ) ( 2 ), & 1605 ( c ). These unfair and deceptive business practices are all in violation of my consumer rights pursuant to The Unfair and Deceptive Business Practices Act. I sent a notice to SANTANDER CONSUMER USA and CHRYSLER CAPITAL and received a correspondence back without remedy.
|
| 10/24/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Hello, I have attempted to settle matters with CHRYSLER CAPITAL XXXX telephone calls and certified mail, after my property has been unlawfully stolen and resold. CHRYSLER CAPITAL is a debt collector and they have billed myself, the consumer in error pursuant to 18 USC 8 and 15 USC 1666. They have not perused legal matters to take ownership of my vehicle. I have called and asked to speak with the CFO, and or THE attorney representing CHRYSLER CAPITAL, but i was told that my findings were incorrect and inaccurate. CHRYSLER CAPITAL has forged my signature on multiple documents in the process of obtaining payment for my vehicle. I did not give them consent nor agree in a formal written request for them to take my car and resell/auction it. I hold Sole title and owner Position to my stolen vehicle. I also asked CHRYSLER CAPITAL to forward me an original contract including my signature and their signature executed and they have yet to provide that forgoing evidence. I have no original promissory note with CHRYSLER CAPITAL. I have also ceased and desisted all verbal communication with CHRYSLER CAPITAL via certified postal mail. If i fail to receive remedy, legal actions will be perused.
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
under the law 15usc 1681 Santander Consumer usa did not have my consent to furnish anything to my credit report. my credit score has drop points because of 'serious delinquency ' furnished without my consent ( payment for car has already been sent ), 'recent miss payment ' furnished w/out my consent, 'Bad payment history ' furnished without my consent, 'few accounts paid on time ' furnished w/out my consent. The payment for the car has been sent also and they neglect to remove such inquiries that were reported to all 3 credit bureaus without my consent. They also didnt respect my rights under law 15 usc code 1605 that finance charge includes any loan fees, document fees, and they took a downpayment when its illegal without my best knowledge of 15usc code 1605 at the time. They also demanded for an insurance of my part when under the finance charge it includes premium insurance from there part to cover there loss in case of anything. Not only that but the car salesmen forgot to make me sign a document to he was harassing me for 2 days to the best of my knowledge, a bunch of phone calls, went to my house w/out letting me know, even went to my job to force me to sign this document.
|
| 09/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have aXXXX XXXX XXXX XXXX have been paying on this loan for 3 years now I have given them over {$16000.00} they have taken whole payments of {$500.00} and applied every red XXXX to the interest I spent nine months with my principal balance not moving a red XXXX at all I have reached out to people they have been ugly to me they refuse to give me a copy of my current contract. I originally purchased a XXXX XXXX XXXX from the dealership that I got my XXXX from finance through Chrysler Capital that made me bring the vehicle back and after I had signed the paperwork giving them money left a lot 7 days later I got a phone call saying I have to bring the vehicle back they want to put me in a brand new one they put me in XXXX XXXX XXXX I didn't have a choice that was the only thing that I had an option for and I had to have a vehicle they use the fact that I was a subprime loan borrower and they took advantage of me and now I owe all this money. I had my vehicle repossessed once and I paid to get it back luckily I had help to get it back but I'm about to lose it again and I can't get these people off my back I've offered them a cash lump sum settlement and they refuse to take it
|
| 10/07/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Santander under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the XXXX XXXX Compliance standards. Any automated response, or XXXXXXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by Santander. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question.
This account needs to be removed from all 3 consumer reports due to inaccuracy and incomplete information. This account does not comply with XXXX XXXX compliance and legally can not be reported.
|
| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Pursuant to the Servicemembers Civil Relief Act ( SCRA ) 50 U.S.C. App. Section 527, this letter is my formal written request to remove this inaccurate information from my account. I am currently serving on XXXX XXXX with the XXXX XXXX XXXX XXXX. I entered XXXX XXXX on Date, which was after after the time this debt appeared on my credit report..
I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act.
|
| 08/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
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Web |
|
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This issue has gone unresolved since XX/XX/23. I used Santander 's online app to transfer {$2000.00} to XXXX XXXX. I received confirmation that XXXX received the money. But then, they sent a follow-up email that they were having transfer issues and the money was sent back to Santander. However I closed the account with Santander by that time. I filed a complaint with the CFPB with XXXX XXXX. They researched the issue and claimed they sent the funds back to Santander. A contact at XXXX XXXX even spoke with a woman named XXXX in the XXXX department at Santander. Both banks went back and forth blaming each other. I received a letter from XXXX XXXX officially closing the case that they do not have the {$2000.00} because it was sent back to Santander even though my account was closed by that time. I have spoken to numerous departments at both Santander and XXXX XXXX and neither bank is taking responsibility. I have XXXX XXXX numbers, dates, and names with everyone I spoke with. I need Santander to look into this further because XXXX has made the determination that the money lies somewhere with Santander. I can provide every single detail you will need to research further.
|
| 11/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
It was after i had a back injury, then XXXX, then loss of pay before i could get social security disability coming in, i got delinquent with my truck payment. But i did pay them the late payments, the next week after i became current with them they repossessed my truck, i had to pay them {$630.00} to the company they used to repossess it, in order to get my personal items out of the vehicle. That was after i had paid them the late payments. Then they sold my truck for 1/3 of its value, then wanted me to pay a little over {$3000.00} to square up with them and not show up on my credit.
On the current credit report they keep adjusting the last payment made date, so it will stay on my credit report longer, I'm guessing thats their motivation. Anyway, at the time i had so much to catch up on due to my injury, i had to retire from work etc. i haven't done anything to correct this non stop train wreck. I found out about reporting it through you all just today. So here we go. XXXX only knows how many people have been abused by this company in such a way. Santander vehicle loans have done some very wrong things, and wants me to continue to pay them for it. Im done with them!
|
| 01/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Every statement includes the incorrect due by date. The past due balance far exceeds the days delinquent. The past due balance is inconsistent on every statement when the monthly payment is fixed but no payment amount is applied for late fees or misc. fees. One month was missed on the auto loan and Santander claims the account is then 71 days delinquent. A payment well exceeding the minimum amount, {$1000.00} and prior to the due date, and santander fails to update the days delinquent and it remains at 71 days with the past due amount only decreasing XXXX dollars. The next month, another substantial payment of XXXX dollars is made and santander changes the days delinquent by one day ( 70 days ) and the past due amount only decreases {$470.00} dollars. Santander claims the account is now 101 days delinquent and the vehicle was repossessed on XXXX. The loan payment is not due until the XXXX of the month. The account has not gone XXXX months without payment. The paper trail has been nothing but inconsistent. A total of XXXX dollars has been paid within 2 months. This vehicle should not have been repossessed, Santander has failed to correctly update their information.
|
| 10/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, AZ XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens 281 SW 715,719, I presume that no proof of the all debt, nor therefore any such debt, in fact there exists
|
| 04/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Hello, I purchased a car after my bankruptcy from a dealership in XXXX maryland and the finance guy did everything he could to get me a loan through santander. My interest was very high and I needed a car to go to work so I got the car back in XX/XX/XXXX. While I was working I paid my monthly payments for two years almost and lost my job on XX/XX/XXXX. The car was {$32000.00} I paid {$5000.00} down payment which I had at the time. I tried finding other jobs and I had several jobs I worked since then. Still paid my car note even though I was struggling with it. Finally I lost my job again and havent been able to make payments from XX/XX/XXXX until XX/XX/XXXX which the car was repossessed through santander. I would like to know if I have any rights due to santander applying my loan back in XXXX even though I was a high risk customer just coming out of a bankruptcy. The car was repod on XX/XX/XXXX and stander would not let me pay the missed payments saying I have to pay the whole amount which is now {$20000.00} after making payments of {$560.00} for two years. Most of the monthly payments of course went into interest only and a little amount to principal. Thanks
|
| 10/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
|
|
Hello, I'm filling a complaint against Santander Consumer USA. They know I had a mechanical breakdown recall on my vehicle since XX/XX/XXXX. The vehicle is still @ the dealership waiting for repairs. Meanwhile Santander wants too put a charge off on my credit report knowing this vehicle is still down on a mechanical breakdown. I can't pay for a vehicle and pay for XXXX, XXXX, XXXX XXXX and a car note for a car that is not running. I live XXXX mi out. I pay for these services now too get to work due too my vehicle being down for the past XXXX. They don't offer refinancing or don't want to help me in any way. Even when paperwork was presented too them on Lemon Law status of " Breach of Contract '' for vehicle. All they want is money I can't provide. This whole delima has caused me a hardship. Due too shady dealings on XXXX XXXX XXXX. This vehicle is declared a lemon vehicle.Santander consumer has set up repossession. But hasn't repo vehicle because they know it's on a mechanical breakdown. Manufacturer is closed for parts on strike rather. I need the charge off removed.They are trying too cause me more issues instead of providing me relief in this situation.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I have written numerous letters including, an identity theft report over the past two years and still XXXX is reporting incorrect information on my consumer report. I have attached my consumer reports for SANTANDER CONSUMER USA for XXXX, XXXX, XXXX, and XXXX. On each report the year XXXX reports different things each year and each year the terms change. Each year XXXX continues to report inaccurate information and its defamation of my character. The information is entirely inaccurate and incomplete, and as such represents a very serious error in reporting.
The generated report for XXXX XXXX no repossession and XXXX to XXXX of XXXX says data unavailable, terms 58 months, and balance {$21000.00}.
The generated report for XXXX XXXX charge off from XXXX to XXXX of XXXX, terms 58 months, and balance {$22000.00}.
The generated report for XXXX XXXX no data available for XX/XX/XXXX, terms 56 months, and balance {$13000.00}.
The generated report for XXXX XXXX no data available for XXXX and XXXX of XXXX, terms 56 months, and balance {$13000.00}.
As of now there are XXXX negative charge off on this XXXX account and a repossession in XXXX which none of is true.
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
1. Santander Comsumer U 2. XXXX 3. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 01/31/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/2023 at XXXX, text from Santander Bank verifying XXXX transfer of {$120.00}. I denied the transfer request. Received call from caller ID " Santander Bank ''. Man on the phone, who knew my name, said there was suspicious activity on my debit card with XXXX and suspicious {$950.00} purchase in XXXX, TX. Conversation stated he was putting a hold on my account and removing a newly added " transfer recipient ''. Asked for my username and last 4 digits of SSN for verification purposes. He stated he is filing a claim for {$950.00} charge. Gave me a claim 's number to refer back to for a follow up. Asked for the text message 6 digit code I received from bank. Another code was texted to me when I noticed it said " Santander bank will never ask for this code ''. I realized this was a fake call but at the same time I received a text for a {$950.00} charge under the same claim number he has previously given me. Appears on my statement as " external transfer to acct - # he previously gave me ''. I immediately hung up and called my bank 's fraud department. My bank handle the investigation on their end ( refunding my account and closing my bank account ).
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| 08/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I signed up for a Santander Checking account this year that contained a promotional code to get a {$500.00} Bonus. I met all the requirements, and had not received the bonus so I made a few calls to their customer service to inquire about it. On the first call ( made XX/XX/XXXX ) Santander opened an inquiry for me ( # XXXX ), and on the second call ( made XX/XX/XXXX ) I was told I did not receive it because I had an account with them in the last 12 months, which is incorrect. I closed my prior account on XX/XX/XXXX which is over 14 months prior. I inquired what date they had my closing date for my previous account and the customer service rep said there was nothing she could do, refused to inquire further and hung up on me. After reading the fine print, it's clear I've met all the requirements as far as opening the correct account type and applying the promo code, having at least a {$25.00} direct deposit, meeting the date requirements, not having an account open with Santander in the prior 12 months, and having {$8000.00} of employer direct deposits within the first 90 days. I'd simply like Santander to uphold their word on paying out their bonus.
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| 05/23/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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On XXXX I contacted Santander via telephone to let them know that I could not make the full loan payment and I asked them to turn off the auto pay function and remove my bank account information. They refused to make any agreement with me to pay less than the full payment amount and gave me a phone number for collections. At that time the laon was current. They told me that they turned off the auto pay function and removed my bank account information. I called the collection company and they told me that they could not help because the loan was current.
On XXXX I logged into my Santander account and tried to make a partial payment and I added my personal bank account information back in. The website would not allow me to make a payment at that time as it stated it had to verify my personal checking account. On XXXX I checked my personal bank account and Santander had auto debited my account for the {$480.00}. This was without my permission. I called Santander and they apologized but told me that there was nothing I could do. I know that what they did is a violation. I went to my personal Bank and they filed a dispute and got the money back.
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| 08/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I was victimized by an XXXX scammer for {$960.00} in XXXX Seller used the familiar " send a dummy blank envelope '' to the same zip code as the buyer, and provide XXXX XXXX confirmation which ONLY shows delivery in a certain zip code, no actual proof of delivery, no signature. Reported fraud to SANTANDER, filed chargeback as " merchandise not received ''. Received letter days later claiming " no evidence of unauthorized transaction, matter closed ''. Clearly agent filed it wrong. Called again, spoke with supervisor who assured me they would review the initial phone call and fix. Despite being assured by agent a call back would ONLY occur after XXXX, " XXXX XXXX leaves a voicemail at XXXX AM this morning, with the lie that " the agent filed it properly '', and the " merchant proved the merchandise was delivered '' ( more horse manure ). Having previously been through this same process with XXXX, I know the next step is filing a signed paper stating NO MERCHANDISE has been received, at which time the merchant does not respond, and the money is returned. SANTANDER seems to be an absolutely shady bank which does not have the backs of it's clients.
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| 11/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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To whom it may concern, I am writing in regard to the below referenced accounts and transactions. Account : XXXX. This vehicle was repossessed by Santander Consumer USA in the XXXX of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. Under the laws of the State of Florida UCC 9-504 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Best Regards,
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| 08/20/2022 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
Older American |
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In XX/XX/2022 my loan was approved for modification where the term was extended from 30 to 40 years and monthly payment was reduced by {$78.00}. However, this reduction is not significant and continues the issue for me to afford the payments. The rate remained the same 4.5 % when at the same time XXXX XXXX offered 3.125 %. When I asked Santander why I didnt get the lower rate, I was advised to submit a rate reduction request. I submitted the request on XX/XX/2022 via the loss mitigation portal. When I attempted to follow-up in the status, the portal indicated that my case is under review, but I didnt receive any acknowledgment of submission or resolution. I called Santander on weekly basis the entire months of XXXX, XXXX, XXXX and most or XXXX. My XXXX from the approved modification wasnt available. When I was able to leave a VM nobody responded and most of the time the announcement stated that the VM box is full. Finally, when I got a hold of someone on XX/XX/2022, I was advised that lower rate is not available since I agreed to the modification despite it being told in XXXX to accept the modification and request rate reduction separately.
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| 06/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
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XX/XX/XXXX, I signed a financial contract to trade in my XXXX XXXX XXXX for a XXXX XXXX XXXX at the XXXX of XXXX with the XXXX XXXX Santander consumer XXXX During the month of XXXX, I was offered new employment which eventually didn't continue but was able to keep my old job but I had to validate this with the lending institution ( Santander ) that I will be late on the due date before that payments were directly from my XXXX account which after rent, utility, phone bill, car insurance, other personal bills, food, gas and other daily expenses shows beyond checking my credit history, shows they is legitimate burden of proof or little reassurance that I can actually make these payments but they ( XXXX ) will not take car back as total part of the loan. The car has mechanical issues causing more of a financial issue as well. My monthly rent after governmental assistance is at {$550.00}, while my auto loan monthly payment is {$650.00} over XXXX XXXX dollars more than my rent, my monthly income varies at times due to the different work hours I work to ( monthly income shows from XXXX to XXXX monthly which clearly shows my loan is unaffordable
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| 06/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : SANTANDER CONSUMER USA XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consume r reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateThe account was paid in full. I don't owe them any money. I paid them there {$170.00} on time. It was never supposed to be listed as a repo. Now this is ruining my chances of getting a new car.
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| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I had an account with Chrysler regarding a XXXX XXXX XXXX. I wanted to pay the balance off. I called to make a settlement with the dealership twice in which I advised could pay if they gave me a settlement amount. I know I had paid well over the cost of the in interest and fees. I asked the department and the advised me the amount of {$27000.00} on three occasion. I finally called back to let them know I could not continue with the payment and would have rather pay a settlement balance if possible. I had just made a purchase of another vehicle in which I paid cash for it was for the amount of {$19000.00}. and some change which I have documentation to prove. I called back at Chrysler and asked again and about a settlement and they provided a dollar amount of {$19000.00}. I have tried to resolve this matter at no end with this company. I even went as far as to Executive to file suit which the had an investigation and found both calls of me having conversation with each rep regarding options to resolve my loan. I checked my XXXX and see the have it in write off. which is now effecting my credit. I want to know if you can possibly help me.
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| 07/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
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Web |
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I purchased a new car on XX/XX/XXXX and Santander Consumer USA financed the car for me! The car was XXXX I placed XXXX down which brought the car to XXXX then after taxes and fees the car was XXXX well Santander financed the car for then basically did a dollar for dollar on the finance charge, so they charged me XXXX for the finance charge, so I am paying for my car twice which comes up to XXXX XXXX paying for a car that was XXXX! I have had the car for XXXX years now, I have filed Bankruptcy XXXX times and they have charged off my account and also written-off the account which means they no longer have it and they have gotten a credit for it on taxes, but they keep calling me and harassing me and keep lying to me about what they have done! This is ridiculous and should be against the law! And they also shared my personal information and account number to someones personal information! I really would like to know how I need to proceed with filing charges against them for that! I have the letter from the CFPB it happened XXXX XXXX, XXXX! I believe and you guys caught it on XXXX XXXX XXXX! How can I move forward with this information?
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
Older American |
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I filed for XXXX XXXX bankruptcy XX/XX/XXXX. I entered a reaffirmation agreement with Santander to keep my vehicle and continue making payments. This agreement was filed with the court on XX/XX/XXXX. After filing bankruptcy Santander is no longer reporting my loan payments which is causing a negative effect on my credit report. My bankruptcy attorney reached out to Santander in XX/XX/XXXX. They advised my attorney their policy is to no longer report payments once a bankruptcy has been filed even if a reaffirmation agreement had been entered. My XXXX XXXX trustee said she had never heard of this and to file disputes with the 3 credit reporting agencies. I sent dispute letters on XX/XX/XXXX to all 3 reporting agencies. I've been told the information can not be verified therefore, can not be added to my credit reports. Since purchasing this vehicle in XXXX all payments have been made. The vehicle was not included in my XXXX XXXX and I continued to make monthly payments. My case received a discharge. All I request is Santander report my loan payments so I can receive proper credit and my credit report and score reflect this information.
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name.
I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report.
I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request.
Please let me know if you need any additional information or documentation from me.
Thank you for your time and assistance in this matter.
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| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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I purchased a vehicle in XXXX of XXXX. Unfortunately Santander was the financing company at that time due to the pandemic and credit issues that the dealership used to finance the other half of my car I didnt pay up front. The interest rate I was given at the end not thinking it would EVER be so high was 24.9 % which was criminal! Within 5 months of obtaining this loan I was hospitalized with XXXX for a long time and tried communicating with them eventually reaching the CEO through XXXX and explaining my situation. I wasnt given any relief and the late fees stacked up. I was released from the hospital to find out my car had mechanical issues that cost half of what I owed on the car and the extended warranty I purchased was cancelled with no explanation. The repairs and payments due to insane late fees and interest rate were impossible to pay but I continued to try. Santander placed a {$0.00} XXXX XXXX payment late history and charge off as bad debt due to natural disaster on my credit report. However, they still have a lien on the title leaving me with a XXXX XXXX XXXX Im unable to sell or trade or even fix and huge loss of equity
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| 01/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Changes in terms mid-deal or after closing
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Web |
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**THIS IS NOT A DUPLICATE COMPLAINT** SantanderUSA took part in a financing arrangement without lawful consideration rendering the agreement void ab initio . Similarly, the agreement was created in breach by ignoring and/or not giving XXXX XXXX XXXX full gaith and credit, full benefit, full remedy and/or recourse, providing accommodation and consideration to all applicable doctrines and accounting documents with full disclosure and compliance of the following : 15 USC 1605 Determination of finance charge 15 USC 1662 Advertising of downpayments and installments UCC 3-104 Negotiable Instruments XXXX XXXX Any and All Obligations IRS FORM 1099 C Cancellation and Reporting of Taxes As a result of the deficiencies found within the initial agreement between XXXX XXXX XXXX and both SANTANDER BANK its affiliates, subsidiaries including but not limited to XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX we again move to exercise our Right of Recission pursuant to 15 USC 1635. This response serves as our Notice to Cure and any escalation of these matters will enjoin XXXX XXXX XXXX and the XXXX XXXX XXXX and may lead to legal process at your cost.
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| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In XX/XX/2022, a debt validation letter was sent to Santander Consumer USA XXXX Inc. in XXXXXXXX XXXX The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. They reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. This company has committed identify fraud by using my information without my consent and for something that was not to my benefit. They also have called an insane amount of times.
The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.
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| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX of XXXX, I spoke with Santander about a hardship to move a payment towards the end of my loan. I went through the process where I then signed documents stating as of XX/XX/XXXX that my next payment would not be until XX/XX/XXXX. The whole time Santander started reporting from XX/XX/XXXX that my account was past due and I had not paid, which was inaccurate. I contacted them at the beginning of XX/XX/XXXX because I had received a phone call stating I was past due when I knew I had just signed paperwork due to my hardship. I went back and forth almost daily with the company about their error in reporting and how I had legal documentation with them about my next payment not being until XX/XX/XXXX. It continued to drag out and ultimately the company told me they were unwilling to honor documents that were already signed and stated that my account was past due. They have been reporting that I am past due even though I have made the payments to catch up, despite the contract I had signed and then they completely quit reporting on my credit report as of may. And falsely reported late payments all the way up until XXXX of XXXX.
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| 11/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Legal actions were taken against Santander Consumer USA regarding their poor financing and reporting practices. I submitted a copy of the Final Consent of Judgement against Santander from the State of Georgia to XXXX on XX/XX/XXXX. The dispute came back verifying the debt was accurate and belong to me on XX/XX/XXXX.
My prior car loan with Santander Consumer USA Loan was opened XX/XX/XXXX and there for falls into the dates included in the judgement which are XX/XX/XXXX, XXXX XX/XX/XXXX. All orders of this judgement are dated effective as of XX/XX/XXXX.
Section 16 of the judgement states " Santander agrees to provide notice to each CRA to which Santander reports, requesting deletion of the trade lines associated with the account for all Deficiency Relief Consumers and for the Consumers who receive relief pursuant to Paragraph 11 '' Since this account has deficiency reporting, it meets the requirements under this judgement, and it is to be removed from my credit file immediately. Santander Consumer USA is not reporting to the other bureaus, but XXXX is claiming validation of the account I am no longer legally responsible for.
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| 10/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
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I applied for a loan at XXXX XXXX on XX/XX/XXXX for the purchase of a new XXXX XXXX XXXX. The advertised rate on the loan was 4.9 % for 84 months.
When I received the approval back from Chrysler Capital, they only would allow the 4.9 % rate for 72 months. I reached out to several representatives from the company and they gave me the excuse that they are only an " indirect lender '' and that all decisions are made by the dealer.
It is important to note that I was also shopping for a XXXX XXXX, and XXXX XXXX XXXX approved me for 4.9 % for 84 months. I explained this to Chrysler Capital when they tried to tell me that the approvals are based on several factors including " creditworthiness ''. It is important to note that I did report Chrysler Capital on a previous occasion for similar deceptive practices. I filed report # XXXX on XX/XX/XXXX with the CFPB.
It is also important to note that because of their refusal to provide financing at the advertised rate, I needed to secure financing through my local credit union. As a result, the price I was required to pay for the vehicle was {$2000.00} higher because of missed rebates.
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| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Santander consumer USA I purchased a car from them and I paid on it for 4 years regularly, and I eventually sold the car because of mechanical problems.
My new lender paid off the loan, and there was Gap coverage remaining that was due to be refunded to me.
The amount was, I believe, {$320.00}.
It took a very long time for the check to be issued, and ultimately it was mailed directly to Santander who said that they held on to refunds like that for another 30 to 45 days as a matter of policy.
I used my debit card to dispute the {$320.00} out of the last payment because they were holding on to those funds.
A few weeks later, they did send me the refund check and I cashed it.
First, they called me and told me that I owed them {$500.00}.
Then, today they called me saying that I owed another {$400.00}.
I told them that I could see my way into paying {$320.00}, but not the other {$75.00}.
And I told them if they wanted to get the money from me then they would have to take me to court or to mediation.
The representative insisted that what I had to do was pay for XXXX and interest will still accruing otherwise.
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| 12/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer r
eporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
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Web |
Servicemember |
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I purchased my leased vehicle. The pay off was a little over {$30000.00}. I mailed in a check for {$25000.00} from XXXX XXXX XXXX XXXX and a cashiers check from XXXX XXXX for {$5000.00}. Chrysler Capital claims depending on who I talked to that day either they lost the XXXX check or that I never sent it. After XXXX or so calls, I was told if I dont send them {$5000.00}, they will keep the {$25000.00} check and repossess the truck. I had to borrow money and go without food to send them another {$5000.00} as you have to wait XXXX days to do a stop payment on my initial cashiers check from XXXX XXXX. XXXX days was up this Monday the XXXX XXXX XXXX. Turns out Chrysler Capital did in fact cash that check when I sent it and misapplied the funds. They had the money the entire time while accusing me of never sending and saying they will repo the truck. Now, they wont give me the {$5000.00} back until they can find the money and get it back from the wrong account. I dont see how their XXXX XXXX is my fault making me wait longer. This seems like theft and bad faith. All while falsely accusing me of not sending them the money.
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| 04/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
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I have a credit card with Santander Bank. I have never used it for purchases. However I have used it twice to transfer balances from other cards onto 0 % promotions. When I applied for these I assumed when making payments that my payments would be applied in such a fashion that the promo expiring first would be paid off first. One balance expires in XX/XX/2023 and the other in XX/XX/2023. However, they are applying my payments " however they see fit '' according to the many employees I have spoken with. Making it so that I can essentially never pay off the first balance and in XXXX they will apply full interest to it. This seems illegal and unfair. Why would I pay the amount needed to pay off that first balance but never be able to pay it off? Why would I make all these payments only to pay interest in the end? On top of the hefty transfer fee they charge up front. I have spoken to at least 6 people there including supervisors who tell me it is what it is. So how can I pay this off an avoid interest? Nobody can tell me that. I will have to file bankruptcy if they apply interest to this after I have paid all this money.
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| 09/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Deficiency balance after repossession
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|
Web |
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This a formal complaint that there is inaccurate and incomplete credit information.
I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : Agency/Santander : XXXX The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes.
FCRA 15 USC 1681
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| 11/11/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
I opened the Santander Bank " Ultimate Cash Back '' Mastercard at the branch because I was told I would have interest-free cash advances for a year. This turned out not to be true. I already filed a complaint with the bank which was resolved ( they refunded my interest charges ). Now there are fraudulent charges being made to the card. I tried to resolve this. The charges were removed, but keep reoccurring. I asked for my account to be closed but the bank did not close my account. I emailed several times with the regional VP XXXX XXXX XXXX who told me several times that I need to call customer service, which I also did several times. ( Note that I am currently working in XXXX XXXX so this was difficult with time differences and no toll free number from here. ) Customer service initially reversed the charges and told me my account would be blocked, even though I clearly asked my account be closed. The account then continued to rack up fraudulent charges. I can not file claims using the bank 's website or phone app, the only way is to call. I have repeatedly asked to close the account. I need help to close the account.
|
| 09/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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I called my bank to open a chargeback dispute being authenticated using my pin and card number but they denied that saying I dont have XXXX, and also there is no phone number on my profile wich is XXXX XXXX XXXX. I live in XXXX now so I cant be forced to go to a branch to do this. The law allows me to make the clai by phone, in person or by text.
I need to dispute XXXX trasnactions for merchadnize not received.
XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX pro XXXX ) XX/XX/2023 {$99000.00} XXXX XXXX XXXX XXXX pro the XXXX transactions were made on the store, in person. but they dont have the stock of the items on the same store so they will send it to my home no later than XX/XX/2023.
I tired to reach them several times bu phone and website without any answer, they never provided a tracking information or delivery confirmation. Im not on that city to go to the store to make the claim, thats why I need to request to open the chargebach due merchandize not received. I have the invoice showing they must sent the items I justneed to know there to send it.
|
| 02/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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On XX/XX/2020 XXXX XXXX XXXX declared a stay at home order for XXXX which is where I live. It was extended and lasted until XX/XX/2020. During that time no one was to leave house for any reason except groceries. The federal government did not get stimulus payments out to people who qualified until XXXX XXXX XXXX. Slightly before this period and during I became behind on my car loan with Chrysler Capital. I had XXXX conversations with them and they told me they would not let me wait until stimulus checks get to us to pay any past due. Under the XXXX XXXX XXXX XXXX, they were supposed to offer me a payment plan or other options so I don't lose the vehicle. They refused to offer any help what so ever. They repossessed the vehicle in XXXX XXXX XXXX and we got our stimulus check in mid XXXX. When I called Chrysler Capital at this time they told me I had to pay the total balance of over {$35000.00} to get the vehicle back. I did not have that much so I lost the vehicle. This was in direct violation of what the XXXX XXXX was supposed to prevent. I could not work and pay bills, but also Chrysler would not follow the law.
|
| 03/03/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
I invested in a XXXX month rising rate CD with Santander Bank in XXXX of 2022 at 0.2 %. I chose this CD because I was told I could make a one time rate adjustment anytime during the term and was expecting that rates to go up.
Last fall I went to my local branch and requested that the CD rate be adjusted according to the terms of its rising rate. The bank employee checked with a central office and was told that the rising rate CD was no longer offered. Of course, I still had that product, but they refused to honor their commitment.
Instead, I was offered good rate of 4.16 %, but required to close my CD and invest in a new XXXX month CD. I really wanted this rate but with the expiration date to match the rising rate CD that I had. The bank refused. I was upset, but decided not to fight them. My rising rate CD was closed on XX/XX/2022 and I was given the XXXX month CD.
When I was preparing my tax return, I noticed that Santander had charged me an early withdrawal penalty ( which I had been told when I accepted the new CD would not happen ). This was again an example of their refusing to adhere to commitments.
|
| 09/23/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has infringed on my right to privacy, I have never given this company any right to have my personal information. This company is trying to collect on an alleged debt. This company reported unverified inaccurate information to the consumer reporting agencies, which has greatly harmed my ability to offer or extend my credit to other financial institutions. This is against federal laws. This account is not mine and was opened using my personal identification without my consent. When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Ive also never given this company permission to contact me which according to the FCRA is also against federal laws. I have asked numerous times for this company to stop furnishing false information to the CRAs and also for them to stop contacting me. My next step will be to file suit. This is my last time asking to please remove this account, its not mine.
|
| 12/04/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I deposited a cashier 's check that was made by XXXX on XX/XX/XXXX into my business 's checking account at XXXX Bank in XXXX XXXX PA, in person. The amount was over $ XXXX. In addition, to that same transaction I deposited $ XXXX in cash. After doing so XXXX Bank froze my WHOLE account, even the cash portion, claiming the reason was for the large amount on the cashier 's check. After disputing with them in person for two days they would only give me the cash portion when I came to the bank 's branch but would not remove the account freeze. On the 5th business day ( XX/XX/XXXX ) the said cashier 's check cleared but they still would not remove the account freeze, nor give me a reason for the continued account freeze.
They have no legitimate reason for placing my account on hold for more than 2 business days ; in addition to violating 12 CFR 229.10 ( c ) ( 1 ) ( v ). Due to their arbitrary ( and now blatant ) actions they have in fact demostrated their discrimation against me for what I can only come to a conclusion of malice reasoning. As of XX/XX/XXXX my account is still frozen and causing me great harm.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Subject : Deletion of Unauthorized Credit Inquiry SANTANDER CONSUMER USA I am writing to formally request the removal of an unauthorized credit inquiry made by your institution on XXXX, XXXX. After reviewing my credit report, I noticed an inquiry listed under my name without my consent or knowledge.
The inquiry was made on XXXX, XXXX and was not associated with any credit application or agreement initiated by me. As a result, I did not receive any benefit or services from your institution corresponding to this inquiry.
I kindly request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I understand that these inquiries can impact my credit score, and given that I did not engage in any transaction or seek credit from your company, I urge you to rectify this error promptly. I also demand retraction of any applications or securities in your possession.
Please provide confirmation once the unauthorized inquiry has been deleted from my credit report. I appreciate your prompt attention to this matter and your assistance in resolving this issue.
|
| 11/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
In XXXX I took out a loan for a used vehicle with a shady dealership no longer in business that had me sign multiple blank documents stating that they needed to submit multiple offers to multiple banks. The price was changed from XXXX to XXXX without my knowledge.
I was young, XXXX, XXXX and single mother living in public housing.
I was a victim of predatory subprime lending. I do not believe Santander gave my information to include me in settlement. In addition to this I recently asked for a copy of my payment history and noticed every month I was charged late payment fees even though I paid full amount on auto payments monthly and biweekly through my bank. These late payment charges were also compounded by interest they were charging. Lastly when the car was totaled my insurance paid full market value of the vehicle and I was told it was settled and paid off. Santander continued to add charges and fees and are reporting balance of over XXXX despite 3yrs of payments and a lump sum insurance payment. They have also altered the first late payment by several months to keep on my report additional time.
|
| 10/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
On XX/XX/XXXX I was offered a settlement amount of {$600.00} for this account. I made a payment on XX/XX/XXXX in the amount of {$120.00} towards the {$600.00} them I made another payment on {$110.00} on XX/XX/XXXX. The amount was not changing on my account as paying so I called Santander to ask them to correct the amount they said they would not change amount then reported my account as in collections/ charge off with a balance of {$1000.00} and account closed. I contacted XXXX to dispute the amount and submitted the settlement letter and receipts to the payments. I explained that if they could report the correct balance according to FCR act I would gladly pay remaining settlement balance. XXXX investigated and declared that account was accurate. They did not send supporting documents XXXX gives Santander 30 extra days when I call in and make complaint. I have disputed this inaccurate information for o year now each time the company receives 30 extra days to not investigate properly. The company also charged the account off in XX/XX/XXXX when I made payment on settlement they reported as charged off.
|
| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
XXXX credit reporting stated that on XX/XX/2023 that I requested credit from Santander Consumer USA Inc, and violated my consumer rights with inaccurate reporting. The information below I am disputing. It is inaccurate. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 05/28/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Servicemember |
|
I very recently bought a car at XXXX XXXX in XXXX around XX/XX/XXXX. I was financed through Santander Bank. I bought the car had everything signed and payed. It was 3 weeks later that I called XXXX XXXX to see why I haven't gotten any way to pay off the bank bills. I was told by XXXX XXXX that I would have to come in for more paperwork. I was told Santander was raising my payment by XXXX dollars a month and given no way to make payments. I live in XXXX XXXX NM more than 3 hours away. And was just returning from a weeks long funeral service which I am required to return to for my grandfather 's internment. The day has not been set and I am on standbye using my days off work to go to appointments for a XXXX. Ive made 2 separate attempts to contact Santander and have not been able to get any in person help on the line. I have had 0 opportunity to go back to XXXX to pay Santander after raising my rates suspiciously. And now my credit score is tanking ive only had a week and 0 opportunity. I have made every attempt to question XXXX XXXX and attempt to communicate with Santander. To pay off my balance.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Santander Consumer USA has continued to report a closed auto account on both my XXXX and XXXX credit reports. The account was charged off as of XX/XX/XXXX and report a charged off account until XXXX of XXXX. This is misinformation and re-aged my account which has negatively impacted my credit score. Santander Consumer USA not only has continued to reage my account they are not reporting the same original charge off account across all three of my credit reports. Santander Consumer USA is reporting a charge off as of XX/XX/XXXX and not monthly on my XXXX report. I have filed mulptole disputes regarding this matter however no action has been taken. This is illegal act and has detrimental to my credit score. Both the original creditor or a debt collector can not re-age a negative account. No matter how many times a delinquent account is transferred or sold from one debt collector to another, the date of first delinquency should not change.
Also, my payment history between my credit reports do not match. I have brought to this to the credit bureaus attention multiple times and no action has been taken.
|
| 08/02/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
My Santander Bank credit card statement included a purported charge from XXXX dated XXXX XXXX, XXXX, in the amount of {$190.00}. Since I never got a ticket from XXXX and never rode on XXXX, I attempted to question XXXX about this charge. But XXXX did not respond to my email. I then began to dispute the charge with Santander, including writing a letter to its chairman, but I did not receive a remotely definitive substantiation of the charge until Santander sent me a letter dated XX/XX/XXXX ( 8 months after the purported transaction ). Santander included internal XXXX screenshots, which were difficult for a XXXX employee to interpret. After reviewing the screenshots in a conversation with XXXX, I am now willing to pay the {$190.00} principal, but Santander informed me on XX/XX/XXXX that it will only accept payment of the entire balance, including {$190.00} principal, interest and fees, totaling {$410.00}. I believe I should only be liable for the {$190.00} principal, plus interest from XX/XX/XXXX since Santander was only able to validate the charge on XX/XX/XXXX, eight months after the fact.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I hope this message finds you well. I am writing to formally request the removal of an unauthorized credit inquiry that appears on my account. The inquiry in question, made on XX/XX/XXXX and XX/XX/XXXX was not authorized by me and therefore should not be reflected on my account.
I understand the importance of accurate credit reporting and compliance with the Fair Credit Reporting Act ( FCRA ). According to the FCRA, any credit inquiry must be authorized by the account holder, which is not the case with this particular inquiry. As such, I kindly ask for your immediate attention to this matter.
Please initiate an investigation into the unauthorized inquiry and take the necessary steps to remove it from my account. I also request that you provide me with written confirmation once the inquiry has been successfully removed, as this will help ensure the accuracy of my credit report.
I appreciate your understanding of the urgency of this issue and your commitment to resolving it in a timely manner.
Thank you for your prompt attention to this matter. I look forward to your timely response.
|
| 05/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX my account with this bank was brought current. I checked through the automated system to make sure that I had a XXXX balance before the next months billing cycle, which is on XX/XX/XXXX. The amount for XX/XX/XXXX - XX/XX/XXXX should be {$350.00}. I checked through the automated system when I paid my last payment, and also confirmed the amount with a live customer service representative and the amount which was due was {$290.00} remaining for XX/XX/XXXX - XX/XX/XXXX. Then it was paid in two payments, the last amount paid was {$160.00}. The next months bill which I am not allowed to view my account because the password is changed each time I log in or out of the account, is for one month. Not two months. There is also a problem with resetting my password. Regardless that I have entered the correct information for the password reset, the company requires me to call and speak to someone every time I log into my account. I find this to be XXXX harassment and abuse. Illegal collection. I do not owe more than one month for this auto loan for the XX/XX/XXXX - XX/XX/XXXX time period.
|
| 10/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hello Santander, I opened my checking account at XXXX XXXX XXXX XXXX branch in XXXXXXXX XXXX
With the banker XXXX XXXX, at the moment of the account oppening I gave all my personal details, address, phone number, email, and other information.
Since then my phone was erased or never was assigned to my profile so I cant receive OTP codes, and also doesnt allow me to add the phone number written in the account oppening documents and signed by me.
I called the branch and requested to speak with the banker, but they told me that XXXX dont work anymore at Santander , and at the branch cant help me doing " maitenance '' to the account, I told him that is not maitenance is just add my phone numebr the same taht was given at the moment of account oppening, so I was requested to go to the branch.
Im not US citizens, I dont live in the US , I just travel very often there and next travel is going to be next wear to California ( there are no branches there ) This is a fault of the banker, so please check the opening documents and add the phone number written on the paper and signed by me.
Thanks
|
| 09/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
on XX/XX/31 i visited XXXX XXXX in hopes of purchasing a new vehicle but instead was discriminated against and humiliated for excercising my rights in good faith under the Consumer Credit Protection Act.
XXXX XXXX is the salesperson i dealt with and who submitted my consumer credit application which is classified as a consumer credit transaction for a XXXX XXXX XXXX XXXX XXXX Submitted my credit application to XXXX and Chrysler Capital.
XXXX tells me i am denied.
I told him there is no such thing as denial only dishonor because their only job is to extend me my credit.
He then asks me to sign the credit application that was used for denial.
I asked him did he submit the application before me signing he said yes and I have it recorded The credit was extended but XXXX will not release the vehicle until CHRYSLER CAPITAL buys my contract.
The credit was extended to XXXX XXXX and CHRYSLER CAPITAL as I now have a hard inquiry on my Credit Score.
. After running credit credit application before it was signed. I also called twice to get additional information and was given the run around
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm am filing a complaint with the credit bureaus about accounts that are fraud and I have already reported this sent in letters and police reports under the 15 U.S.C 1681 15 U.S. Code 6802 still haven't been removed other than the accounts becoming verified They had 5 business days to remove the account Santandar Consumer And never did so which is a violation of my consumer rights Ive mailed notarized, and FTC report letters and the account is still on my reports.XXXX has removed the Santander account XXXX and XXXX has not and they couldn't possibly be reporting accurately if one of the three bureaus removed the " inaccurate '' information that is fraud with no method of verification XXXX has not mailed not 1 letter to me about this and XXXX is not even showing information about my credit report or score I asked for method of verification and have yet to receive anything from XXXX or XXXX regarding this account and it has now been 60days which is violating my consumer rights im trying to purchase a house and new vehicle and this is holding my report back and also defamation of character
|
| 11/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I went to a car dealership in XXXX XXXX XXXX Florida to purchase a vehicle in XXXX XXXX At the time i had no job, was working on and off with XXXX and XXXX ride sharing companies. Unbeknown to me at the time, someone from the dealership made up a fraudulent income on a form and used it to qualify me for the car. The interests was high, and i was told to pay about {$600.00} per month because of the false income they made up. I realized later that it was a regular practice with the dealership and the finance company. This finance company has been sued by at least 34 Attorney Generals in various states for deceptive practices, predatory loans etc. They settled, but continued these fruadulent practices. I sued in Federal Court and it was dismissed sending me to arbitration. I went to arbitration and they turned a blind eye saying that they have no jurisdiction in the matter. I struggled with this predatory loan for 6 years, then could not keep up anymore. So the finance company as usual repossessed the car on XX/XX/2022.
This is injustice and i as a consumer needs help. Thanks in advance.
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I purchased a car through Santander Consumer USA in XXXX, Loan # XXXX. I moved to XXXX when my problem began attempting to register the vehicle. I aim to receive a Title for a XXXX XXXX XXXX, VIN # XXXX, that I paid in full. First, contacting the company has been difficult because the loan was sold or transferred to XXXX XXXX. However, I attempted to reach the company in XXXX. I was told they no longer had information on the loan, so I was referred to a company called XXXX and then to XXXX XXXX XXXX and received some assistance but no title.
XXXX XXXX stated that Santander did not provide a copy of the Title, so XXXX sent me a Lien Release. The problem is that a Lien Release is not acceptable for registering the car in XXXX. I am attempting to sell the vehicle, and the purchaser insists I have a Title. I called Santander on Wednesday, XXXX XX/XX/XXXX, and the Title supervisor refused to come to the phone. At that time, I came to the conclusion that I needed to take a different approach, so I am reaching out to the CFPB.
I only want a Title, so I ask that you help me. Thank you.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Consumer USA is not reporting the Balance and Amount owed every XXXX XXXX XXXX and that is creating issues with my XXXX XXXX not increasing and the Balance shown is Greater than what I owe. Contacted the Company XXXX times but still they are not reporting that correctly to the Credit Bureaus and I am unable to Refinance my Auto Loan.
Spoke to XXXX XXXX Employee ID # XXXX on XX/XX/2022 at XXXXXXXX XXXX and disputed the Amount outstanding being incorrectly reported to the Credit Bureaus XXXX
She informed that the matter has been reported to the XXXX Department and she would call me back when she hears back from them, approx. in XXXXXXXX XXXX She would also provide a XXXX XXXX for the issue once she gets it from the XXXX department but never received any response till date.
Even called them again and have the XXXX recording made on XX/XX/2022 at around XXXXXXXX XXXX
Call was transferred to the XXXX department and they assured that the Correct Balance would be reflected in the Credit Bureaus by XX/XX/2022 but as of XX/XX/2022 they still not reported the correct amount.
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have an auto loan with Santander for my XXXX XXXX XXXX. As of XX/XX/XXXX I had a payment due on my account. On XXXX the XXXX I was involved in a car accident which resulted in my car being totaled. Both my insurance and I contacted santander to let them know about this issue to prevent any late payments from being reported. My insurance then sent the payment over to them in 2 checks that equaled the full amount of the vehicle. One for {$32000.00} and another for {$2800.00}. The effective dates for these checks state XX/XX/XXXX. I just checked my XXXX credit report and they are reporting that I am 30 days late on my account which is not true!! The account is also reflecting that its open, and thats not true either. The account is paid in full and closed. It doesnt make sense that they were fully aware of the vehicle being totaled, along with being notified that the checks were sent via mail on XX/XX/XXXX and XX/XX/XXXX, and they still report my account 30 days late even after making the effective date for the payments XX/XX/XXXX. In that case that would make me 4 days late at max!
|
| 07/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX did not look into the fact that this is a write off by Santander. The original creditor ( Santander ) has determined that this is a charge off ( written off ), and a close out. Which in turn means that the original creditor can not take any further collection action after close out, including selling the debt to another agency, and if required by XXXX XXXX and regulations must report closed out debt to the IRS.
The fact that Santander wrote this debt off as a charge off means that Santander reported this debt as a loss to the IRS. Therefore this means that no further payments are due. In addition : the balance reflects a XXXX balance on credit reporting agency reports. Santander could not legally sell this debt, therefore they have violated my privacy by selling my information to XXXX, and XXXX has violated The Fair Debt Collection Practices Act by not validating the debt collection accuracy and or legality. Santander May also be in violation of other laws if in fact they did sell a debt to XXXX and collected any money from that sale, after reporting it as a loss to the IRS
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I sent a full amount of {$620.00} in the mail to Santander and they should have received it on the XXXX of XX/XX/2023. They stated that the amount is not paid in full when it is in fact paid off and I have sent a full payment amount. I expect that at the end of the month they will remove the account off of my credit and show that it is paid off in full on XX/XX/2023. It is financial harassment and false reporting to continue to harass me for money I do not owe. I have sent the full amount of {$620.00} which is more that I owe, and I am now pursuing legal action against Santander consumer. I expect that my account will show as paid in full at the end of XX/XX/2023. I have sent the payment and they have received it. It is their fault if they claim to not receive it. It is no longer my responsibility once it gets to them. I am XXXX and XXXX of their poor customer service and I am now pursuing legal action against Santander for financial harassment and fraud. I want it off my credit report at the end of this month and I have already sent the payment so it better show paid in full.
|
| 05/31/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I get calls from this company every couple years stating a repo debt unpaid. Last thing received from this company was XXXX. They call my work and several family members threating to sue me or take assets. This loan I have spoken with several employees and they could not and will not provide information I owe this debt only verbally. They contacted me at work and on cell phone along with calling family members on XXXX around XXXX XXXX gave me several options ranging from {$9200.00} to {$1500.00} to take care of debt and only gave me 30 minutes to comply or they were sending my social security number to the courts. I spoke with attorney that stated there is a statue of limitations and they are a scam. Nothing has been filed. They called me at work this morning threating me calling me by a combination of my maiden and married last name which made no sense and stated good luck in court. Todays person was named XXXX XXXX and said he will serve me at work and home. They will not stop even telling them not to contact me or family and to contact my attorney. Please make them stop.
|
| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Here are more supporting details about this situation. I was going over my credit report back on XXXX XXXX and noticed that a company called Santander Consumer USA Inc was reporting on my credit report. I called the company 10 times but no one ever answered so I decided to reach out to XXXX, XXXX, and XXXX. I have sent all 4 companies certified mail return receipts stating that I was a victim of identity theft. I sent all 4 agencies a 6-page notarized identity theft affidavit with an FTC report and a Police report from the XXXX Police department XXXX XXXX California. I have sent them 5 different requests stating that this account has never been opened by me nor did I ever have a contract with Santander Consumer USA inc . I sent the identity theft notification on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and Santander, XXXX, XXXX, and XXXX. I have included more than enough supporting documents to have this account removed. I am including all reports that were received by the credit bureaus and the laws that they violated under section 605B of the fair credit reporting act.
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Every since my continuous complaints about Santander Consumer USA reporting incorrectly about my account being late with missed payments as accurate and up to date.
My credit and personal information and all of my personal information has me as a victim on the dark web. The dates of activity with the dark web also coincides with my reports and complaints about Santander Consumer USA.
I've placed a yearly fraud Alert. Being that I'm unsafe with knowing of this action and the source behind it. I'd like to also request a 7 yr Fraudulent Alert on my credit reports until this entire matter with Santander Consumer USA is completely resolved. I'm also seeking counsel in this matter as I deem it to be retaliation in its worse findings.
To try and destroy my life credit and otherwise. They should not be in business and this should not be allowed. I'd like to also investigate how many others like myself have fell victim to them and unfortunately not caught it as quick as I did and put the two together.
Please help me with my 7 year fraud protection on my reports. Thank you.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. I am requesting that the reporting of this information be blocked is not being made in error ; nor is my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer.
Account Name : XXXX XXXX Account Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Account Name : Santander Consumer USA Account XXXX : XX/XX/XXXX You are required to do what I asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.
Thank You
|
| 09/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
The fair debt collection practice act is intended to secure my right to privacy and my right to privacy has been breached.
The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived.
The fair credit reporting act is intended to report fairly and equitable to the consumer and i have been abused 15 usc 1681b Santander XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Santander XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Santander XXXX XXXX is in violation of 15 USC 1692e2 ( A ) Santander XXXX XXXX is in violation of 15 USC 1692e ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692d ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692 ( 13 ) Santander XXXX XXXX is in violation of 15 USC 1692i ( b ) Santander XXXX XXXX is in violation of 15 USC 1692j ( a ) Santander XXXX XXXX is in violation of 15 USC 1635 ( a ) Santander XXXX XXXX is in violation of 15 USC 1605 ( A ) Santander XXXX XXXX is in violation of 15 USC 1635 ( b ) Santander XXXX XXXX is in violation of 15 USC 1681A ( 2 ) ( I )
|
| 10/26/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company is charging me outrageous amount $ XXXX {$7100.00} on an automobile which I no longer have in my possession due to an accident. The information they have provided is confusing and I do not agree. I reached out to this company to try to rectify this account but I am not getting anywhere. Santander reported this account to my consumer report which is reporting errors and I am totally concern with how the bureaus are letting this happen.
I request an investigation on this account back in XX/XX/2022, but I am only receiving a computerized template from the bureaus stating verified which is not providing me sufficient information on this account. This account should not be reporting on my consumer report with all the inaccurate information.
This account is chargeoff but still reporting a past due amount which is a violation of From my understanding this company Santander been getting away with sabatoging peoples consumer report by reporting misleading and false information. They were sued XXXX years ago for this practice.
15 U.S.C 1681a ( 2 ) ( 1 )
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Talked with company Santander Consumer XX/XX/2023 and asked how was my car charged off. And how do i get the title. No one could answer i got transferred 3 different times. On XX/XX/2023 about XXXXXXXX XXXX an unmarked tow truck with tinted windows no tag towed my car. They pulled at a store i go to regularly and used a clothes hanger to unlock my car doors because my alarm was going off. I feel this is very fraudulent. The lady at the store said they told her they where from XXXX XXXX XXXX XXXX. But when i look up company its a house and when i call phone number provided on the website it goes to a regular person phone instead of a business.I believe my car is stolen. I am going thru alot with my phone and cars being tracked and not by gps dealing with Santander consumer. Just that Saturday prior to XX/XX/2023 I received a letter from u all stating that my information was at risk. I also received a call from a debt consolidator stating i am in bankruptcy due to several fraudulent activities on my credit account. I dont know what to do at this point pls help!!
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back.
DATE XXXX XXXX COMPANIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA
|
| 08/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
The car payments were not properly reported in the paperwork. They said it was just going to be the payment of XXXX. They didnt tell me that I was paying interest by the day. The disclosures that you are supposed to receive once getting the loan/vehicle were never given or mailed. The car was not addressed to work and there were issues from the onset. I made a down payment on the loan which is a car violation. They distributed my non public information to other companies and repoed my car when they lost payments that were sent In between the 4 contracts that had to be signed. The first page of the contract also didnt explain the finance charges accurately. Which is a violation of 15 usc1602. And Oklahoma loans may not exceed 10 % all violations of the law. 15 usc 13 discrimination of price c says that one may not review commission with purchase of goods. Which is exactly what this loan is, and I was discriminated against by charging more based on my gender and age. With a list of other violations with info sent to Oklahoma consumer protection association.
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to express my deep concern regarding your company 's practices, which appear to be in direct violation of 15 USC 1666b, a crucial consumer protection law. This statute aims to safeguard consumers by ensuring transparent and fair business dealings. It is disappointing to observe that your company 's actions do not align with the provisions of this law. Specifically, the law mandates clear and accurate disclosure of terms, fees, and other relevant information pertaining to consumer transactions. It is disheartening to note that your company has failed to adhere to these principles, thus potentially subjecting consumers to unfair and deceptive practices. I kindly demand that your company takes immediate corrective action to ensure compliance with 15 USC 1666b. Failure to do so would leave me no choice but to explore legal avenues to address this matter, which could include initiating litigation against your company. I hope we can resolve this matter promptly and amicably, upholding the rights and protection of consumers as intended by the law.
|
| 06/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company chose to charge off this account after my becoming ill with XXXX XXXX, having XXXX for an injury that included losing my job. I tried several times to ask for leanasee when account was active. They sold the vehicle never sent me notification of how much it was sold for at auction.
They then reported wrong amount owed at the highest price to destroy my credit. Instead of reporting the actual amount that I paid towards the vehicle while in my possession. Now 3 yrs. Later they are harassing me and my credit by continuing to report a debt that I no longer owe to the 3 credit agencies at inconsistent times and dates of reporting actions and continue including the inaccurate information of them agreeing to taking the loss by charging off this account. Santander Consumer USA continues to damage your life and credit. This is unfair business practice and needs to be stopped.
Why should I need to file a bankruptcy on XXXX. That's purposely not correct and deceiving.
Please do not allow this to company to continue its harassment on me the Consumer.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SANTANDER CONSUMER USA 34 POTENTIALLY NEGATIVE MONTHS Balance details 100 % paid off Balance {$0.00} Balance updated XX/XX/XXXX Original balance {$26000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Auto Loan Status Account charged off. {$25000.00} written off.
Status updated XX/XX/XXXX Original balance {$26000.00} Monthly payment - Last payment date XX/XX/XXXX Company sold XXXX XXXX XXXX XXXX Original creditor - Comments Purchased by another len Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THIS ACCOUNT DATE OPENED/DATE CLOSED/BALANCE/LAST PAYMENT IS IN ACCURATE THE ACCOUNT NUMBERS ARE INCOMPLETE THIS IS GROUNDS FOR REMOVAL. 15 U.S. CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from alleged identity theft.not later than 4 business days after the receipt.
ACCORDING TO THE " FAIR CARES ACT '' YOU ARE VIOLATING MY RIGHTS AS A PROTECTED FEDERAL CONSUMER
|
| 09/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of accounts/items which do not belong to me or were opened without my permission.
SANTANDER XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, SANTANDER XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, SANTANDER XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
|
| 09/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I had auto Loan account Loan was for is for {$15000.00} Amount I paid entire loan {$29000.00}. Loan contract was signed on XX/XX/XXXX Original Rate on agreement was XXXX. % for 60 month terms that would have matured in XX/XX/XXXX. Santander bank misrepresented the terms of the Extensions and did not state that my rate would increase. The Respondent misrepresented to me the impact of receiving a loan extension, including by obscuring that the additional interest accrued during the extension period would be paid before any payments to principal when the consumer resumed making payments, in violation of sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536. Under sections 1053 and 1055 of the CFPA, 12 U.S.C.
I did contact the Executive Complaints office that reopened my account to be settled as I was not informed on the filing of the charge from the Attorney General as they did not send me any information due to not confirming my correct address which i always updated. I was never provided any information on this case and how I was clearly a victim.
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Santander is reporting a {$27000.00} balance on my account, and showing it as a charge off on all XXXX major credit bureaus. My online Santander account shows they received over {$14000.00} for my vehicle that was illegally repossessed. It shows the payment posted on XX/XX/XXXX, yet on XX/XX/XXXX they also again reported a {$27000.00} charged off balance, instead of the {$9000.00} balance that my Santander account shows. They also still have not subtracted my service contract amount of {$3500.00} that I was not allowed to use, never used and never received paperwork on. I have disputed this since I purchased the car in XXXX because I was forced into it after being told it came with the new car purchase, which is deceptive practices. I was never notified of the sale of my vehicle either. I want Santander to completely delete this account from my credit report immediately since they have continually reported wrong information and refused to fix it. There is no reason that they should be allowed to continue to cause me further financial and credit harm.
|
| 12/07/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Hello, I sold a car online and the buyer mailed me a paper check of {$18000.00} that was {$4000.00} over the price of the car so I would pay for the tow to come pick it up, it was all a scheme, but I deposited the check in my Santander account and after the check was cleared, I called Santander to confirm, I told Santander the full story that the name of the buyer was different than the name of the check, so I wanted to confirm and guarantee with Santander that wasn't a fraud, Santander told me there is no way it could be a fraud the check was good and the funds were already available in my account, so with that guarantee I transferred to the tow person {$3500.00}, The next day Santander told me that the check had no funds and returned it with a fee, blocked my account, charged some fees and I lost the {$3500.00} that I sent, I went to the police station, and they told me Santander should fix it, I sent all my support documents, to the Santander Fraud section, but they refused to honor their word and pay me back what I lost.
I please need help
|
| 05/04/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. account. Also you stated this account is reporting accurately, however, I see multiple discrepancies with my credit report, even after your investigation, so not only did you not provide me with the proper paperwork you lied about the information being correct none of your dates or amount match what you said provided to the other 2 credit bureaus if you continue to report incorrect, unverified and made up information I will be reporting this as I have a right to a correct and credit report I asked in the previous dispute you provided me With the information and I didnt receive anything only false updates on the accounts
|
| 12/23/2022 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
I got a notice from my XXXX account that someone put in a request for funds for {$1300.00}. Request from XXXX XXXX XXXX. XXXX XXXX. If you don't recognize this call XXXX at XXXX ( this number was fraudulent ). They said they would credit me {$1400.00} and had me open a window from there they somehow got access to my savings account and made a transfer of {$14000.00} to my checking. Saying I owed them the money back in making an amount of refund error, I was instructed to make a cash withdrawal and go to the ATM to deposit the refund to them ( YES, I WILL REFUND YOU MY MONEY! ) Fortunately I caught the error and closed XXXX blocked my checking and savings accounts and opened new ones. How did they get to my personal banking information so easily???? Why isn't there better security? My bank is Santander. This will be my question to them tomorrow.
Additional name in the transaction was XXXX XXXX ( probably fake ) and his number XXXX. As soon as I said this was fraud and was calling the police and reporting- he immediately disconnected the call.
|
| 04/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I had a $ XXXX car loan with Santander for 5 years which started in XX/XX/2017 and the principle balance only decreased $ XXXX. The company did not properly explain the high interest and fees along with loan deferrals and apparently did not apply my payments correctly if my principle did not decrease much with each payment that I made. This resulted in the car being repossessed because my payments were not making a dent in my loan.
My credit history with Santander with all credit bureaus have inconsistent data across the board. How is that possible if the information should be coming from the same place? Every instance that I've attempted to correct issues have been met with my credit standing worsening and this is in violation of the Fair Credit Reporting Act.
I attached the article on " XXXX XXXX XXXX Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans '' that outlines the predatory lending practices of Santander which have negatively impacted my credit and my family 's livelihood.
|
| 06/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
I'm in belief that this is a fraudulent loan, I believe a lender normally evaluates the individual past credit history as well as the current income.
I've spoken to the Santander representative several times indicating that my monthly calculated financial monthly payments well exceed my necessary expenses. I also asked how my income was reviewed and calculated which Santander responded by saying that on my credit application that I listed XXXX was my gross income, which Santander took advantage of their loan terms which had been initiated at the " End '' of the year XXXX, which can be verified by the loan document itself. There are also other expenses like rent that was not looked at by Santander which was later explained that i do receive housing assistance but majority of rent I pay myself.
These issues play a major role in determining my eligibility towards financing, but Santander agreed to distribute this Loan based on misrepresented income and credit verification and were notified as well as the dealership or seller of this Loan.
|
| 10/10/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
On or before XX/XX/21 I was in a case accident which in turn was deemed totaled. I filed for my claim with my insurance and received the amount due. There was a balance in which my XXXX was to pay off after putting in my claim, my finance company, Chrysler Capital did not ( per both parties ), send in their paperwork in a timely manner and my claim to payoff my totaled car, so even as today, I have on my credit report which is going up, as still outstanding as not paid! I am furious!!! Nobody even after paying my premiums on time, has acknowledged nor attempted to pay in full my pending balance as of XX/XX/21. COVID, caused me a hardship and was hospitalized and since the accident, I have not had the opportunity to purchase another car because of the non responsiveness of both Chrysler Capital & XXXX. Im a senior citizen whos XXXX and need transportation. This is not my fault. Someone need to take full responsibility for leaving me without transportation. Im also on oxygen since COVID and walking to a bus stop is impossible. Thank you
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
|
|
Web |
|
|
15 U.S code 1681c.2 consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.
It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete theses items as soon as possible.
These accounts can not be furnished on my consumer report as they are in violation!!! Under, 15 U.S code 168 lb permissible purposes of consumer reports ( a ) IN General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances an no other ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately.
|
| 06/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
On XX/XX/XXXX I made a purchase at XXXX XXXX for {$100.00} using a SANTANDER Mastercard. This was my second purchase, the first one was all good and delivered to my home in XXXX XXXX, NY. This one was NEVER DELIVERED to me. XXXX tracking confirmed it was delivered to a 'Front Desk ' in XXXX NY XXXX
I contacted Support at XXXX, and exchanged several emails with a XXXX. She tried to turn it around on me, insisting that I chosen and 'Access Point ' as an option. Complete XXXX as my confirmation shows 'Home Delivery ', and their Home page also brag Home Delivery. She said that the product will be returned to them and then they will issue a refund.
Two months later nothing happened and in the mean time I twice asked Santander back to issue a charge back and credit the funds to me. Santander responds that the claim was denied, to contact the merchant and washed their hands off. I pointed out the clause in their conditions outlining that I should not have to pay for an online purchase with a cc. They told me that it was my problem now.
|
| 03/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This loan is with Santander Consumer USA. My vehicle was repossessed in XXXX of XXXX. The vehicle was sold off, and the balance put forward onto my loan amount as per our lending agreement. However, after this, there was a remaining balance of about {$2000.00}. I was struggling financially but was able to make a settlement agreement of a one-time {$1200.00} payment in XXXX of XXXX. I sent the payment in three money orders : 2 for {$500.00}, one for {$200.00}, all packaged in the same envelope, and I saved the receipts. They now say they only received the 2 {$500.00} money orders and not the 1 for {$200.00}. Despite this, all three receipt tracking numbers show they were cashed on XX/XX/XXXX.
Because the agreement expired, they are now saying I owe additional money on the account. Ive spoken to their customer service on numerous occasions, faxed the receipts over twice, but theyve requested that I pay money to order a front and back copy of the money order. This is absolutely unfair because they were the ones who lost the payment.
|
| 10/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
Servicemember |
|
While purchasing a pre - owned vehicle from XXXX XXXX XXXX XXXX XXXX XXXX, I was told I was being financed by my local credit union as I had requested. When it was time to sign the paperwork for the loan application and tag transfer all of the documents were stacked one on top of the other and highlighted. I was told that I was signing a loan APPLICATION for my credit union however, in reality and unknowingly to me, I was signing a contract for a different financing company with a MUCH higher interest rate. However I didnt know this until days later after reviewing a USB drive. tick that had edited versions of SOME of the documents I had signed on it. I have since had a multitude of issues arise with the vehicle that is supposed to be under warranty from both manufacture and the dealership currently. Neither the dealer nor the manufacturer are making a reasonable effort to honor their warranties. Furthermore, I was not only sold a lemon, and misled during signing but I was also lied to about the condition and history of the car!!!
|
| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2023, I mailed a detailed certified letter to Santander Consumer USA stating that they violated my consumer rights.
15 U.S. Code 6802 Obligations with respect to disclosures of personal information 15 U.S. Code 1681Congressional findings and statement of purpose 15 U.S. Code 1681b - Permissible purposes of consumer reports.
I requested that Santander do an investigation and provide documentation that they were given written consent to report my transaction on my consumer report. I asked for permissible Purpose documentation. and they are willfully in noncompliance and that they are liable for the sum of {$100.00} and not more than {$1000.00}.
On XXXX XXXX Santander Consumer USA acknowledge that they did receive my letter and gave me copies of my transaction history. Santander Consumer USA failed to provide verified documentation. such as disclosure documents or permissible purpose documents. in fact, they stated how I could file a dispute letter, which was irrelevant because they were responding to my dispute letter.
|
| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 06/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Account # XXXX Please help me cfpb Ive disputed this account multiple times with no results I was not given the option to buy back my car and they wouldnt give me information when the car would be sold dispite the fact I called the company multiple times for months according to the FCRA and Arkansas laws, borrowers have certain rights and protections. This includes the right to redeem their vehicle by paying the full redemption amount, which includes all outstanding debts, repossession costs, and the whole loan balance. Furthermore, borrowers have the right to be informed about the sale of the vehicle as well as the time and place of sale. Unfortunately, I was not given the chance to exercise my right to repurchase the vehicle by fulfilling my payment obligations and paying the outstanding balance. Despite my inquiries, this institution did not provide me with the required information and timeline to take advantage of this options which is a violation of my rights as a citizen and if not corrected legal action will be taken
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| 10/10/2022 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Account XXXX XXXX acct # XXXX in the amount of XXXX this account was opened fraudulently.
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| 07/05/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I leased a XXXX XXXX XXXX with Chrysler Capital. The lease ended XX/XX/XXXX, and I returned the vehicle to XXXX XXXX XXXX, where the car was originally leased. The first problem is that the Chrysler Capital webpage still shows me as owing money, however because of Chryslers inability to maintain an updated webpage, I was forced to make an extra payment in the amount of {$540.00}. I have made multiple calls to Chrysler Capital to request a refund for this overpayment, which was approved after I had to send in a copy of my bank statements. They continue to call me daily on an auto dialer about this XXXX XXXX that was already returned, including sending me letters that my credit would be affected. Chrysler Capital has already been overpaid, and the car was returned on XX/XX/XXXX as the contract required. When customer service calls me they have a different answer every time I speak with them about where my refund is. Further, they want me to resolve a returned vehicle issue when the vehicle was already returned 30 days ago.
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| 05/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I had a car financed through SANTANDER CONSUMER USA. The car was was totaled, date of loss is XX/XX/2023. My insurance company, XXXX, completed the settlement on XXXX XXXX. XXXX paid Santander their payoff amount electronically on XX/XX/2023. The settlement amount was more than the payoff amount. I have already received my portion of the settlement electronically. I am still owed a balance from the extended warranty, which will be released from SANTANDER. I have been calling for the last XXXX days, multiple representatives said the payment wasnt received. They keep harassing me for a payment. I told them that they were already paid. The last rep relayed information that THE BANK DOESNT HAVE A ROUTING NUMBER, therefore, a check may have been sent. I think that is bogus. How does a bank not have a routing number in 2023?!?!? I have always paid my note electronically. XXXX paid them electronically. XXXX paid me immediately. Santander is giving me the runaround and I need help resolving this matter please. Thanks in advance.
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| 12/13/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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Every year people from Santander bank call me threatening to sue me if I don't pay them over {$11000.00}. My ex-husband surrendered a van in XXXX after our separation and then was garnished the remaining balance after the auction. They called today and said they are suing me and will be at my house tomorrow to serve me between the hours of XXXX and XXXX and I have to sign for it. This debt was paid in full 12 years ago. I'm scared and I don't know what to do or say to them. They want money now to settle outside of court. I tried to explain to them again today that there is no debt and I am not responsible for anything. He threatened me and hung up after saying that they are suing me. I get these calls every year. They knew my social security number, birthday and full name. I'm not sure if this is real or not. My x husband says to ignore it because they were paid and it was discharged and I don't have anything on my credit report about it. I would like to know if this is real or not and how to make it stop. Thank you.
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| 03/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem when making payments
- Problem during payment process
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Web |
Older American |
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In XXXX I took out a home equity loan to pay credit card debt. I recieved the loan from XXXXXXXX XXXX for the XXXX XXXX they Disbursed checks on XX/XX/2023 to five credit card companies. of which 4 posted the payments to my acounts with in 1 to 3 days from disbursement of checks. Santander Bank was 1 of the cards being paid. They claimed they never received the check. When I called them approximately 2 weeks after the disbursement of the checks. I talked to XXXX she gave me a reference number # XXXX I call a few more times about this. On XX/XX/2023 I talked to XXXX and told me they had not recieved the check. ON XX/XX/2023 I contacted XXXXXXXX XXXX about the problem they put a stop payment on the original check and sent out another check to Santander Bank with delivery notification which told them the check was recieved by Santander Bank XX/XX/2023. Santander Bank is claiming they have not recieved the check again. I have a new reference number XXXX. I am paying interest on money I don't owe them. Please Help Thanks
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| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed over the phone and with a rep, I also have provided ftc reports as well. I have ask for the original documents with signed signatures sent to mailing address and haven't received proof of any kind this act is in violation of my consumer law rights
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| 05/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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In XX/XX/2020, I financed a XXXX XXXX for a total cost of {$31000.00} without having my rights fully disclosed to me. I was unaware that the finance charge is the sum of all charges including gap and warranties ( 15 USC 1605 ). There has also been multiple violations such as, but are not limited to, high apr, false mileage, misleading information like stating that the gap and warranty comes with the vehicle as if there was no way for me to opt out but turns out that I could have, falsely advertising XXXX down and low credit but obtained a down payment from me, not all documents states Sport, insurance was provided by the dealership however not stated within the contract.
On the Gap and Warranty page, the odometer is written as XXXX, however on other pages, it is XXXX The APR within the contract is XXXX, which is too high in Florida. It should not be above 18 % Pursuant to XXXX Usurious contracts Finance charge - {$13000.00} Amount financed- {$16000.00} Total of payments- {$29000.00} Total sale price - {$31000.00}
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| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair Credit Report Act, This Creditors had violated my Rights under 15 USC 1681 section 602. 15 USC 1681 section 602 states the right to privacy 15 USC 1681 section 6049 ( a ) section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account or any account under and open on consumer credit plan as late for any purpose.
Furthermore acknowledge 15 USC 1681 C-2, 18 USC 1028 A, 15 USC 1681 B 92.
1.SANTANDER CONSUMER USA , opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people committed multiple Consumer violations.
2.XXXX XXXXXXXX XXXX XXXX opened in XX/XX/XXXX, closed on XX/XX/XXXX, these people also violated multiple Consumer Laws.
3. hard inquires by unauthorized Individuals a. XXXX XXXX XXXX XXXX, XX/XX/XXXX b. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX c. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX d. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX e. XXXX XXXX XXXX, XX/XX/XXXX XXXX
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| 08/11/2023 |
Yes |
- Checking or savings account
- Other banking product or service
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I was recommended by my bank ( Santander ) to open a XXXX account with XXXX XXXX, who it affiliated with Santander Bank. I met XXXX XXXX on or about XX/XX/2022, at which time I informed him that my business was not ready to accept the services, however, he continues to call with the help of Santander Banker. We met again on or about XXXX XXXX at the bank and he asked me for my information, and again I told him that I was not ready to open such an account. He guaranteed me that he would only take the information but will not activate the account until I was ready to do so.
Although, I did not give him permission to activate the account, he did so at his own accord with XXXX XXXX. Funds were immediately debited from my account starting XX/XX/2022, up until XXXX XXXX.
Santander Bank closed my account without any notification and referred my business to a collection agency. I am requesting to have my business reinstated back in good standing.
I was informed that XXXX XXXX 's affiliation with bank was terminated.
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| 06/01/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am writing this personal statement to report a case of identity theft regarding recent inquiries, Loans and unauthorized transactions made on my behalf. I have only recently discovered this information through a credit repair company, which I sought assistance from while applying for a XXXX XXXX membership. I want to make it clear that these inquiries, Loans and unauthorized transactions were not made by me, and I believe that my personal information has been compromised. It is of utmost importance to address this matter promptly, as it not only affects my credit history but also raises concerns about potential fraudulent activity. I kindly request your immediate attention and support in resolving this issue and safeguarding my personal and financial well-being.
companies involved ; XXXX XXXXXXXX for {$470.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX XXXXSANTANDER XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXX {$720.00} Two hard Inquiries by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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| 06/18/2023 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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Option for issue was not available. This was the closes option. XXXX XX/XX/2021 I was injured at work causing me to go to the ER and doctors multiple times. XX/XX/2021 I was provided letters from my doctors putting me on XXXX leave causing my income to drop and my medical bills to sky rocket due to needing XXXX XXXX. I contacted Santander Bank to ask if they could defer my payments or work with me on payments due to medical and financial issues. I was denied and told they could not help me other than to push my payment back a few days. During this time I was left XXXX and on XXXX. XXXX refused to work with me on payments or allow me to speak with anyone else. They stopped answering my calls after awhile. My vehicle was repossessed a few months later. I received a notice shortly after in the mail stating I owe a remaining balance of {$6700.00}. I have not heard anything from the company since the collection was posted on my credit report. I can provide medical bills and doctors/ ER visits if needed as evidence.
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| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Consumer Financial Protection Bureau Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans ( Santander to address the Bureau 's finding that it violated the Fair Credit Reporting Act ( FCRA ). The consent order was issued in connection with Santander providing erroneous consumer loan data to consumer reporting agencies ( CRAs ). Santander, a subsidiary of XXXX Santander XXXX, is a leadina originator and servicer of nonprime auto loans and leases. Santander furnishes credit information on the auto loans it services by sending monthly data files to CRAs.
The Bureau found that the consumer loan data Santander furnished to CRAs between XX/XX/XXXX and XX/XX/XXXX contained many systemic errors that in many instances, could have negatively impacted consumers ' credit scores and access to credit. The consent order requires Santander to take certain steps to prevent future violations and imposes a {$4700.00} civil money penalt How to delete a negative Santander car
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| 05/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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My car was totaled. The insurance company that will be paying towards the totaled car is waiting for a letter of guarantee. I called Chrystler Capital XXXX and was told the letter would be sent " by the end of the week '' XXXX. It was not sent. I called customer service the next week and was told the letter of guarantee would be sent in 7 to 10 business days. I called the next week and they said " a percentage was wrong and needed to be fixed. I talked to the insurance company and they said the percentage had already been fixed weeks before. I called the next week and asked to be transferred to a manager, and twice was put on hold for long periods of time. I called today and was told by the insurance department that they didn't have a value for the car and it had to be submitted to another department, and would take another 24 to 72 hours before they got that value. I have been given nothing but excuses by everyone I have talked to. They never have transferred me to someone that can take care of the problem.
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| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I was beginning to look for a new car as my lease was coming to an end. I went to XXXX XXXX in XXXX massachusetts to see about Mabye leasing a XXXX, this was on XX/XX/XXXX. I spoke to the sales person to see what they may be able to do. At no point did I give them my social or permission. To run my credit I didnt even have my drivers license with me. I left to look at another places and was to speak with them on that following Monday if I was interested in a XXXX. My husband and I left the dealer shop and got about a mile down the road when XXXX XXXX alerted me that I had a new hard inquiry and that it was from Chrysler. I contacted the dealership corresponding with the general manager who assured me that they hadnt dont any hard inquiry. I assured them that at no point did I given them permission or ask for this to be done and that I was very upset. I would like to find out how this happened and have it rectified. I did not of course deal with them again. I leased a new XXXX on the XXXX from XXXX of XXXX.
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| 03/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I attempted to contact the Legal Department of Santander and the CEO XXXX XXXX, CFO and sent in several legal documents including this Notice Requesting Documentary Evidence for XXXX XXXX XXXX that was repossessed in XXXX of XXXX without my knowledge and I have made payments and there was only a small balance left to pay the vehicle.The vehicle was taken by a third party company that I did not have any knowledge of contracting with this towing company. Towing truck company violated my rights of subrogation along with Santander the finance company. I am requesting the Accounting Records Public and Private in accordance to Generally Accepted Accounting Principles ( GAAP ). Do not send me any form of billing statements as 15 USC 44 clearly specifies Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Im sure that you are clearly aware of the evidence I am requesting in writing. I am allowing no more than 3 calendar days for your response.
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| 08/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I went into lost mitigation with Santander Bank N.A. in XXXX due to COVID-19. I started making payments in XX/XX/XXXX and signed and notarized loan documents in XXXX XXXX, My mortgage statements do not reflect the loan modification and they have reported me to the credit bureau twice saying I am behind on my payment, when I am not. They have corrected these mistakes, but it keeps happening.
I signed new loan documents XXXX XXXX because they said there was an error on the last one signed in XX/XX/XXXX.
Since then I have been working with the assistant manager, XXXX XXXX, but they have still reported me to the credit bureau yet again saying I am over {$20000.00} past due on payments when I am not.
I still can not sign into my online banking and have the correct mortgage amount listed as well as the correct interest rate, monthly payment due, and term dates.
I have not yet received monthly statements, reflecting these changes either.
Something needs to be done. This has been going on for two years now.
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| 04/11/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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I have been dealing with this bank Santander for a while trying to get money that is mine back to me. I leant money to a friend and supposedly the XXXX of the bank wanted me to pay XXXX to get XXXX XXXX from my friend. I never trusted the person who never gave me ID verification. He wanted access to ny bank accounts and drained them once during this time saying he wanted to keep my money safe from XXXX XXXX XXXX that he says that he has He claims that he can not share this aqs it is bank property.t rgotten the money back from them and it has been added to the XXXX which is now up to XXXX have been trying to get a document from the bank that says you need to give money to get money. This is not right especially if you are on social security fir them to be able to ask for more money that will be added to the total. I know that I am not the only one who is having this happen to because if XXXX XXXX does it I am sure that other banks also do it. He never gave me account number where the money 's being held.
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| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The auto loan in question is through Santander Consumer USA. The vehicle was repossessed in XXXX of XXXX. It was then sold at auction in XXXX of XXXX. After repossession Santander continued to report late payments to the account. I was never notified that the vehicle was sold at auction. I only found out through my credit report when late payments stopped hitting the account in XXXX. Santander sold the vehicle for more than the loan amount as well. Additionally, the vehicle was charged off during the pandemic when I was already approved and on the pandemic forbearance plan that paused payments. Santander still repossessed the vehicle and is now a YEAR AND A HALF LATER reporting it as a repossession with a balance still due. I have sent letters to the credit bureaus as well as Santander asking for the removal of the account because of all of the inaccuracies. I have never received a response from Santander and the credit bureaus will send a letter or email asking for additional time with no resolution.
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| 01/26/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/23, I made my regular paycheck deposit of {$2300.00} into my account and as usual, it cleared the next day and I started using the money. Santander bank then placed an extended hold on my account and deprived me from accessing the money I need to sustain my family and run my business. The problem is that they have already cleared the check and they have done this before and have apologized that since the check has been verified and the same amount is deposited into my account every two weeks, this should not happen again. I called to speak with multiple people in the bank and they could not give me a reason for the hold nor do they have the authority to remove it. My boss got confirmation from her bank that Santander bank has received the funds but they are holding on to it causing my family hardship and other bank fees. I want Santander bank to release my money and to not charge me fees resulting from their irrational actions and to be responsible for other bank fees related to this action.
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| 05/11/2023 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I bought a car XXXX of 2021. It was my first car and I did not know much about the financing process. The place I purchased the car from said that Santander was able to finance me. Santander took advantage of the fact that I was unaware of what I was signing up for. They gave me and interest rate / monthly payment that they knew I could not afford. A month after getting the loan the car broke down. My warranty company and insurance were debating on who would fix the car. In the mean time Santander is charging me an absurd interest on the car. Turns out no one was able to fix the car so Santander took the car and resold it. Now I have a charge off on my account that is stopping me from being able to finance a new car. Santander has a deficiency waiver that I qualify for but, they are not giving me any information on how to receive it. They have a class action lawsuit against them as well as numerous complains of their tactics. I need help do that I can start my credit building journey the right way!
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| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report.
The Fair Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
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| 06/02/2023 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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To whom it conerns, SANTANDER CONSUMER USA is reporting a due balance of {$33000.00}. However, they are continually trying to charge my card every month for the car note. They have already repossessed the car. However, they are trying to charge my card on file every month instead of selling the car and putting the remaining amount on my credit. According to my account on Santander, it says I have a REMAINING BALANCE OF {$16000.00}. However, they put over {$33000.00} worth of debt on my credit report which is an FCRA violation for inaccurate reporting. ( 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. This is unacceptable I have proof of a violation being committed and I have filed a police report. PLEASE REMOVE THIS FROM MY CREDIT I HAD NO KNOWLEDGE OF ANY OF THIS INFORMATION DURING THE TIME OF SIGNING I WS TRICKED INTO PAYING A {$5000.00} DEPOSIT FOR A CAR THAT I WAS TOLD WAS {$10000.00} THIS IS ILLEGAL AMERICAN CITIZENS DESERVE BETTER!!!!
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| 12/14/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
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- Getting a credit card
- Application denied
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Web |
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On XX/XX/XXXX I, the consumer applied to # XXXX XXXX for a XXXX XXXX XXXX XXXX in which # XXXX XXXX pulled my credit twice. Both of those consumer transactions I was denied. I am creditworthy, I tried to express that but was still denied.
I checked my consumer report and seen that Santander Consumer USA Inc. had a hard inquiry which brought my credit score down by 3 points. I wrote a letter to Santander Consumer USA Inc. in which i told them I can not be denied credit because I am creditworthy. I also expressed that because my social security card was used due to the hard inquiries and there was no benefit on my end that could be classified as fraud. ( unauthorized use of a credit card ). I expressed that this caused me mental and physical distress because I have a one year old and we are going through a hardship. I told Santander Consumer USA Inc. that this is discrimination because the Truth In Lending Act and Consumer Law Does not say one can be denied cred only Insurance and employment.
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| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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there was inaccurate data reported. I disputed it. They changed the payment history to not reported. That is illegal. The payments should have been reported on the credit report because it builds payment history. Gaps in payments shows inconsistently. This is also hindering my credit from positive payment history. If the payments was verified by the bureau then was is the gap in the payment history Starting from XXXX XXXX
This is a violation in the Fair Credit Act.
Also, Santander charged the account off in XXXX. Since then, the payment history reported as no data on both XXXX and XXXX.
Well, there was a payment applied to the account by a third party twice which should have been reported on the credit report. It shows the it has no data of payment on the credit profile.
Also, the is a federal lawsuit with Santander fraudulently reporting payment history. This company is aware. Yall have numerous articles on it.
Any inaccuracies reported must be deleted according to the Fair Credit Act.
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| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX of 2022 I was behind on a few payments through Santander. I paid any past due balance and the current month total and I continued as usual with my automatic payments. My car was not repossessed. I kept making payments on time and thought nothing of it. Several months later there was a charge off on my account and my credit tanked. It has ruined my life as well as my husband who is the co-borrower because we can not obtain a student loan for my child due to this being considered an adverse event. As you can see from the attached statements that Santander sends me every single month, the status is " CURRENT '' and my balance due continues to decrease. I know Santander is being sued for very similar deceptive practices in other states. How is it they're able to benefit by slapping me with a charge off and getting this as a tax write off AND simultaneously getting my payments monthly and telling me I'm current and on time and essentially nothing is wrong? I still own and pay for my car.
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| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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santander USA, I found out on this account this year XX/XX/2023, I filed an FTC report and a police report and Santander made an investigation of an account that not only closed, paid off and the car was sold to someone else which I did not know that nor my husband who recently passed away he never told me about a car lease or loan with this company and he did take care of our finances including mine but since he passed away I have to deal with all financial issues and when I got my credit reporting the account showed there and I called to inform it, i even sent an email directly to the ceo XXXX, XXXX, XXXX to XXXX XXXX and he gave me the brush off not even replied the email I recived call from XXXX XXXX rep from santander and he stated that they will need to open an investigation of the claim I said ok and their results was less that 10 days stating it was mine I finad that ambigous they said its mine and its not I deman santander usa to fix this issue that is causing me unecessary stress
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| 02/26/2023 |
Yes |
- Debt collection
- Auto debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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So got a car loan through Santander consumer they was calling and harassing me over and over while I was at work then would get irate with me because I wouldn't answer I would tell them I was at work I can not be on the phone but they continued. I never received any bills in the mail nor email telling me I owed I would make an arrangement they never put a promise to pay and repoed my vehicle before I could make the arranged pay then when I called to see how to get it back they wanted to charge me XXXX to get back said that's the whole loan amount plus fees and tow bill and my address was never on file they never documented it when I called to give them my address and my name was wrong on the account I seen there was a class action lawsuit but idk if I could do anything and I lost my job that I was at for yrs because lack of transportation because of them. I never received any warnings other than they irate calls while I was at work I do not have any documents because they never sent me any
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| 10/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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I went to a dealership to purchase my car approximately 3 years ago. At the time I brought in a pre approval letter from XXXX XXXX. I had done all the necessary things before driving XXXX miles to buy the new car. When I arrive to make the purchase the dealership was closing. They came back and told me I was denied the XXXX XXXX loan but was able to get me a loan with Santander. The place was pretty much closed and I was left there to either sign on to a new loan or walk away with no car. I signed and drove away. The cars value was {$23000.00}. As of now, 3 years later Ive made {$16000.00} in payments ( according to Santander ) and still owe {$27000.00} due to astronomical interest rates. I have the hardest time trying to refinance the car which the car salesmen recommended I do after 6 months. I now see why. By the time Im able to pay off the loan I would have brought the car twice. Ive tried to reach out to Santander and was abruptly hung up on after I mentioned seeking legal advice.
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| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # Santander consumer # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 02/21/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report.
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| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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I mailed XXXX {$70000.00} personal checks to my friend in MA to do a favor and send them to the hospital for the deposit on my friends XXXX XXXX. This was XX/XX/23. She put the checks in her account expecting a 5 day hold. My {$140000.00} cleared my bank in Virginia on XX/XX/23 but they have never received the checks. Santander Bank XXXX MA has had a hold on my friends account with her pay checks and my XXXX {$70000.00} checks since they were deposited. Santander sent an email to my bank XXXX XXXX and told them for me to get my money they would have to file a fraud claim. My bank refused because they said I had done nothing fraudulent that my checks were fine because Santander had already cashed them. As of today my friends condition is worsening and they still refuse to give me my money they say it is under review. It has been almost for a month now. Please help me save my friend. Thank you so much. I have documentation if needed. One more thing XXXX XXXX closed my account this week,
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| 08/08/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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I am searching for help with my HELOC from Santander Bank.
I attempted to do a modification twice. Giving the rising rates and unaffordability due the a decrease in income and increase in living cost its become difficult. Santander refused to provide any help in regards to rate and term adjustments- On top of that I was told not to make my payment as they were working on it and now I owe XXXX, XXXX and XXXX. It's not right.
They declined because my DTI was over 38 %. That makes no sense. If my DTI was low Id be able to make the payments as are.
I spoke to them this morning and I explained my first mtg did a modification in 2021 and a second one three months ago.
They stated that because they existed the home loan business they cant help refinance and they suggest people go to XXXX XXXX. Yet those who missed payments can refinance because of credit. In the end theyre forcing their loans into foreclosure.
I need help as my children live here.
Can you help? my number is XXXX.
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| 07/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
Servicemember |
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I traded a car in XXXX where I was underwater. I had decent credit score, but the used car company, XXXX XXXX, selected Santander XXXX XXXX % to service the car loan. I didn't realize what the interest was on the loan until the next day. I was told that I could refinance the car to get out of the loan. I contacted Santander about the refinancing or lowering the interest rate as my XXXX score was greater than XXXX, and they refused.
I had also put down XXXX for the downpayment of the vehicle. I could not get anyone to touch the car, so I ended up having to pay XXXX to trade the car.
I am requesting the {$10000.00} from Santander. {$8000.00} for the downpayment I made in XXXX, and the {$2000.00} I payed on top of the regular payment, trying to get the car to a level where I could trade it. I had to trade the car to get out of the loan and I really liked the car, so because of their deceptiveness and predatory lending practices, I am out a large chunk of money and a car I don't like.
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| 04/21/2023 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My mortgage lender is grossly overcharging me for my property taxes and escrow.
I have contacted them numerous times, and provided property tax bills from the city I live in that indicate they are overcharging and they have responded exclusively with form letters. Each letter also states they intend to overpay again at the next quarter.
They have issued one refund for funds but did not adjust my actual escrow payment despite the account having well over a years worth of property taxes in it, even though I have only had the mortgage for 2 years.
I have been unable to speak to anyone and have gotten nothing but form letters back.
Most recently they overpaid by {$730.00} and when confronted sent the same form letter they always send and stated they intend to further overpay by XXXX in XXXX.
The city will not issue refunds without proof of payment so this money essentially disappears unless they request a refund, and they do not seem to even understand there is a problem.
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Hi i went to a car dealership XX/XX/23 the car dealership were doing alot of fraudulent activity which i was unaware of until i started seeing inquiries on my credit report i gave them authorization to run my credit for a bank loan in which they stated they did the apparently one of the sales man slipped up and stated we ran her credit over and over to bring her interest rate for the vehicle she wants higher so i asked them why are they runing my credit several times the sales man stated they only ran my credir once and is awaiting a banks approval her i am looking at my report and I have 5 hard inquiries on my credit report i called them over and over i am now not getting an answer or anything they ran my credit with 4 different banks nd it cause my credit to decrease i would like for these hard inquiries to be erased from my report so that i can go to someone legit with the proper credit to get a car with these hard inquiries i wont be able to please let me know the next step
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| 10/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I got a car XXXX XXXX and since I've gotten the car it's been nothing but issues. Santander is the lending company I've been dealing with. I'm on a fixed income and have talk to multiple people about it. I pay what I can and sometimes pay multiple times a month but the late fees seems to be either the same or more than the actual note. Lately they have been calling and threating repossession. Ive talked to them about what i need to pay to get my car out of repossession and I have been able to pay that amount. There is a 3 day holding when I pay. When I get the confirmation that I paid the calls stop but as soon as they take the money out of my account they are back calling me saying my car is up for repossession. I have tried multiple times to talk to somebody about help and they constantly deny me. Then when I find someone who is willing to give me the information I need to fix it. I get a call from someone else back telling me that I need to pay the full balance immediately.
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| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I financed a XXXX XXXX XXXX XXXX through SANTANDER CONSUMER USAI have had several issues since I financed this vehicle with the dealership and SANTANDER CONSUMER USA. I have noticed a change in my APR without my authorization that was done by SANTANDER CONSUMER USA. I have requested the ORIGINAL LOAN APPLICATION and was told that it is against the companys policy to provide me with this document. I was told by XXXX employee ID XXXX that I have to get a court subpoena in order to obtain this document. I also was told a month ago that I needed to make 5 payments in order to be eligible for a deferment and when I called today XX/XX/XXXX to request a deferment XXXX employee ID # XXXX told me that I need to make XXXX payments in order to be eligible for a payment deferment. I asked for written proof of that policy and he told me that I need to get a court subpoena to obtain this document. He was very rude and spoke down on my intelligence of my ability to understand my contract.
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| 12/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
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Web |
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I need your help. I bought a XXXX XXXX XXXX in XXXX. My salesman told me that it comes with a XXXX warranty. My transmission went out yesterday. My mechanic told me this make of car has been having transmission problems for years But my salesman told me it's a great car and deal. Should he have mentioned the transmission problem with these cars? I was just looking through my paperwork and he charged me for his so called warranty but it's a service contact. He time it's included. Also last year I had problems with my brakes, oxygen sensor, and engine stalling for no reason. When I went to the service department I was told my warranty expired and it's not covered. But I service contract covers this. That was illegally added to my loan. They took advantage of me cause I'm a woman and a senior. I want all my money back I spent on repairs and for illegally adding warranty charge to my conract. I also want to return the car and get all monies paid on car to Santander financing.
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| 11/29/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I received post in XX/XX/2022 stating they welcomed me and to make my first payment by XX/XX/XXXX, XXXX i responded and asked them to validate the debt by XX/XX/XXXX, XXXX i received a phone call on XX/XX/2022 where i told them a validation request was sent and i had not gotten a response yet and that i would only communicate with them by mail. Santander called me 13-15 times. they finally responded refusing to validate the debt stating that would be their only response. it took a month for them to respond. they still reported late payments on my consumer report. i responded to their lack of validating the request and marked up the counterfeit copy they sent to me highlighting the fraudulent items. they ignored it. XX/XX/2022, someone stole my car under commission from Santander Consumer USA in the middle of the night. They still have not sent me a copy of the court order permitting this activity, nor have they returned the promissory note, and have since sold my vehicle.
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| 07/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I am the executor of my brothers estate. He passed away in XXXX on XX/XX/23. There was a large amount of money withdrawn from his checking account from XX/XX/23 to XX/XX/23, which cleared out his account. He is single and no one elses name was on the account. When the US Embassy returned his belongings his card was in the wallet.
I filed a fraud claim with Santander Bank on behalf of the estate, and received denials from the bank dated XX/XX/23. The bank is stating it is not their fault if someone used his card and PIN number after his death. The bank had been notified he was deceased, however, I was informed they could not place a hold on it until they had a death certificate. I did not receive the death certificates from the US Embassy for over a month due to the fact they had to be translated by the Embassy. I believe the bank should be responsible for the XXXX taken after his death on XX/XX/23 since no on else was on his account and the money was taken fraudulently.
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| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I have a Delinquent Account from Santander Bank from a car loan.
The Delinquent report is over XXXX years old and should have been removed from my credit report. Santander Bank recently reported a derogatory mark on my credit report two times. One dated XX/XX/XXXX, and another dated for XX/XX/XXXX. These reports are false and INCORRECT.
The account I had with Santander was open in XX/XX/XXXX OVER 7 YEARS AGO. The recent derogatory marks they are reporting is incorrect and have impacted my credit drastically. For that reason I have been denied Housing and other necessities. I am 7 months pregnant and need to find housing and I was recently denied housing because of this delinquent report from Santander. The Derogatory mark shows as if I have had a recent repossession or voluntary surrender which is FALSE and is affecting my ability to obtain housing. Below I attached the report I received from an Housing company that denied me for this Delinquent remark on my credit.
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| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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To whom it may concern over the past year i have reached out to Santander Consumer USA account # XXXX in regards to furnishing inaccurate information on my consumer report. I also have sent them certified mail on mulitple occasions supporting my claim that this was not in fact my account i was recently released from the XXXX XXXX XXXX XXXX of 2021 and have submitted all the necessary documents to support that claim to prove i did not or have any knowlegement of this open account being i was incarcerated at the time of this being open. I submitted documentation that shows Santander Consumer USA to be in violation of according to the Consumer Law & The Fair Credit Reporting Act, 15 U.S.C. 1681. All I ask is for this company acknowledge the violation and correct it before additional steps are taken. They have recently furnished information attaching an employee name on my consumer report which is in violation as well I am demanding this company remove this account asap.
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| 07/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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| 05/03/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
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Web |
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Santander bank allowed someone to open online a checking accound around XX/XX/XXXX. I was in the process of moving around XX/XX/XXXX so they did not even have the accurate address but because my mail was forwarded I got the congratulations letter for a new account. I immediately called them and was assured the account was closed and I didnt need to do anything else. I then received a letter from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. The person who opened the account was allowed to overdraft {$460.00}. I immediately called the bank again. I filled and sent all the paperwork and have called over 10 times to be told that a back office handles it and they dont have updates and with 0 assistance. Have been told different stories each time - one time was told they did determine it was fraud but didnt know how to take it from the collection agency, another time that the file was closed I verified with the collection agency that they havent done anything to remove the charge.
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| 09/23/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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On XX/XX/XXXX we sold the vehicle of this lease to a dealer. The dealer sent a check with the payoff amount to Chrysler Capital who financed the lease. Since then I have tried many times to receive a XXXX satisfaction letter from them so that I can use it to get a refund for the extended warranty from the dealer which we did not use. They require a XXXX satisfaction letter before they will refund us for the warranty. I have contacted Chrysler Capital at least a dozen times over the course of XXXX weeks requesting this letter. I have talked to several members, even managers in the correct department who all assure me I will receive it in the mail. After waiting many weeks ( much more time than how long they said it would take to arrive ) I requested it be sent via email. I have now requested XXXX separate times to receive the letter by email and each time they assured me it would arrive within XXXX hours. I have never received this letter, either by mail or by email.
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| 10/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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XXXX XXXX XXXX engaged in fraudulent practices by failing to deliver approximately 50 % of the merchandise for which I paid a total of {$67.00}. I promptly returned all items as per their policy. However, XXXX XXXX XXXX is refusing to issue a full refund, which goes against their stated policy. Additionally, Santander Bank has repeatedly failed to provide assistance in resolving this matter. I've encountered Santander representatives, such as " XXXX, '' who seem to be located offshore and have handled this situation unprofessionally. XXXX played a frustrating game of putting me on hold off and on for 25 minutes and then informed me that it was his day off tomorrow, suggesting that I should call back and essentially start the dispute resolution process from scratch. Santander 's handling of this dispute has been grossly incompetent, and they appear to trivialize the issue, causing frustration and inconvenience to the customer. REFUND THE {$67.00} TO ME IMMEDIATELY!
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| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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XXXX 2016 Santander Consumers gave me a loan for {$20000.00} to purchase a vehicle. The car ended up becoming repossessed 6 months later due to my job & not making enough to pay a {$500.00} a month car note. I later found out they lost a class action law suit against them because they were targeting individuals that they knew could not afford these auto loans they were given them. I have reached out to them several times regarding this to have this repossession removed from my credit also it still shows I have a balance left to pay on my credit as well as wrong payment dates and amounts. With the class action law suit they lost they are supposed to remover these repossession from credit reports. I have reached out to Santander about this in written and they told me they would not remove this. The dates and payments amounts are incorrect also it states I still owe a balance. I know this is violating my rights. Also it has been over over 7 years Thank you in advance
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| 02/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
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I the consumer and natural person was denied line of credit by Santander when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent XX/XX/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Santander. If Santander fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Santander criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Problem with product or service terms changing
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Web |
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From XX/XX/2023 to current, Theft of XXXX from savings account was reported, bank refused to put thru to fraud dept, refused to investigate, refused to audit per multiple requests. Bank lowered credit by XXXX on existing credit card, refused to correct fraudulent charges despite multiple requests. Spoke with XXXX XXXX RI XXXX XXXX XXXX after denial of purchase. Received harassment call from XXXX XXXX which calls frim multiple numbers, i owe nothing to them.
Id theft reported for yrs and mortgage realestate fraud reported for yrs with regards to several properties on federal and state level. XXXX XXXX sjould cease to contact me, Santander Bank told me a credit decrease occured without notification nor would provide a date of credit examination because there is non. Santander Bank branches XXXX and XXXX XXXX have been informed of fraudulent activities, did nothing related to the banks involvement with my deceased spouses Assets within that bank which were stolen.
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| 04/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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Chrysler Capital financial company is using illegal practice and fraud Pursuant to US code 5 1640 they attempted to take my vehicle after I had paid up this debt they sent out there repose company Hide and seek to repo my car on XX/XX/2023 at XXXX am Friday morning. And also put this on my credit report as charge off bad debt this is fraud and illegal practice I have not received a anything in mail that I owe them so now since I reported them to the CPBF they have become angry with me. I have been violated from day one I never received 15 US Code 1602 to rescind the agreement and I never was provided accurate information I was given false information under U.S code 1611 I am asking for all my money back down payment under code U.S 1605 down payment payment money and all my payment I have given Chrysler Financial alone with my title return to me free and clear. If failure to comply rescission will result in civil liability for fraud Pursuant to 15 U.S Code 5 1640
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| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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Vehicle was purchased in city where I do not live. Wasnt present for purchase and isnt sure how this transaction took place exactly but I was not apart nor did I sign any documents. I have filed a police report pertaining to the matter which I was advised by a relative that my sister XXXX XXXX possibly used my info. I filed report of identity theft with her listed as possible suspect. At time of purchase I had open loan with XXXX XXXX which I drove an XXXX XXXX XXXX. I presented all required documentation to Santander for investigation which they are stating that they will not remove from my credit. I have disputed report but nothing is changing. I was also an employee of Santander call center which I had to list my vehicle for registration to park on property, Ive asked for them to pull that information from their Human Resources dept but they refuse to. Also address listed of purchase Ive never resided there which due to purchase it was added to my credit.
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| 10/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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Had been struggling to pay for the auto loan for some time now and just recently have been able to get caught up. I had been making payments in smaller increments bi weekly as I could. Most of these payments were being applied towards the principle and interest. I made a larger payment in XXXX for {$1900.00} expecting it to do the same but a large portion was taken for late fees that should have been allocated to the previous payments I made not during this last payment. I spoke to a rep about this who said there is nothing she can do and was unwilling to work with me on the fees. The fees are totaling over {$500.00} which I believe to be excessive & in no way helps me catch up. During the hardship I was in contact with the bank explaining why I was behind, which was a result of Medical bills that have now been resolved then I had 2 deaths in the family resulting from XXXX that set me back at the start of the pandemic when I was trying to get all caught up.
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| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
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Santander consumer usa have charge this account off, but is still showing open on my credit. this company is reporting that the first missed payment was in XXXX, I opened this account with santander consumer usa in XXXX of XXXX, shortly after that i loss my job try to work something out with this company, and they would not, the documents i have sent, showing XXXX though XXXX of XXXX pay history showing all the return payments and there was only 4 payments made by XXXX XXXX on this account, You will also see how many times this company post on return payment, every time i dispute this account this company would change this account to keep it on my credit, the same information you will see on the history of this account is the same information i sent to the credit bureau, and was told that santander consumer usa told them that pay history was wrong. I also send a copy of XXXX XXXX XXXX credit report showing this account is still open open on credit report.,
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| 12/28/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I paid a " contractor '' {$250.00} to repair my drywall & shower leaking. He started the work & then never came back. He did a terrible job on the drywall repair, which I had to re-do myself. He also was supposed to replace my shower cartridge. He did not know what he was doing & destroyed my shower cartridge. He refuses to answer my phone calls & messages & also ignores my text messages. Santander bank ( the bank I got the XXXX from ), will not reimburse me the {$250.00}!!!
I tried calling contractor several times & left several messages & text messages, he refuses to answer. His name is XXXX XXXX & his cell is XXXX.
I called the bank 2 times & they said it was between me & the contractor. I used the XXXX connected to my checking account, however I did NOT do a debit, I did a charge transaction.
Santander bank refuses to reimburse me the {$250.00} This is fraud & the bank should stand behind their credit cards, like all good financial institions do!!!
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| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Per the settlement law suit against Santander Consumer USA. I fall under the criteria of having my loan forgiven, and or remove the negative information from my credit report. on XX/XX/XXXX I contacted Santander about the class action settlement and I was told I needed to call the company that Santander Consumer USA sold the loan to. This is incorrect information as it cleary states on their website that this is from a certain period in time if you got your loan between XX/XX/XXXX and XX/XX/XXXX ; and Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. Making a late payment or missing payments does not qualify you for a Deficiency Waiver. As of today 's date I have not heard or received anything in regards to that, which I fall under that category to have the charge off removed from my credit report. I have attached documents to show when I purchased the loan and when it was repossessed.
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| 06/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
Servicemember |
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I traded in my XXXX XXXX and financed a XXXX XXXX XXXX last year. Mainly to get back and forth to work ( as a XXXX XXXX XXXX ). I am also a part of XXXX XXXX XXXX XXXX XXXX. We began XXXX last year and instead of having an additional bill while XXXX I began to ask about the SCRA law. I tried to utilize it, not knowing there was a difference between what the law does in comparison to financed and leased vehicles. Getting ready for my first XXXX XXXXXXXX and doing my best to get my family ( wife and XXXX children ) settled for my departure, I continued with turning in the vehicle. A representative for chrysler capital put me at ease, telling me, vehicles are often upsold and when that happens the previous owner is written a check. Knowing I had a barley used, 2022, " in demand '' vehicle, I thought it would work out well. While XXXX the vehicle was sold, at an " auction '' for more than 20k under the value. Chrysler Capital wants me to pay the difference.
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| 01/15/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My debit card was used for XXXX ( XXXX ) unauthorized transactions on XX/XX/2023. The total amount involved was USD XXXX. I have not lost or misplaced the debit card. I got the card blocked immediately as soon as I got first message suspecting that there have been a fraudulent transaction. I simultaneously disputed all the transactions and filed a claim with the bank on the same day.
I now understand that the bank has completed its investigation and denied my claim. I have also personally visited the bank to make representation of my case. I have been orally explained that the reason for denial of my claim is that the transactions were made through XXXX XXXX, which would ordinarily require a pass code of my phone, finger prints, XXXX ID, etc. However, I have never used XXXX XXXX in my life, and I still do not have XXXX XXXX account on my phone.
I am awaiting for final letter from the bank in this regard but wanted to file this complaint timely.
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| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
SANTANDER CONSUMER USA : # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 04/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I rescinded my installment loan contract with XXXX XXXX XXXX which I sent a certified letter to the dealership and CEO via certified letter also to the finance company Santander USA and its CEO as well stating how theyll violated my rights several times one being taking my {$10000.00} down payment. 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before November 1, 1977 from requirements of 433.2 ( a ) also 15 U.S. Code 1635 ( a ) I notified them that I wanted to rescind. Also pursuant to the Federal Truth in Lending Act I requested the return of my deposit in the amount of XXXX pursuant to 15 U.S. Code 1692 ( k ) ( 1 ) seeking damages in the amount of {$44000.00} as well as damages for each violation in the amount of {$6000.00} and cancellation of any lien against my property and request same within ten ( 10 ) days as required by law which they have failed to do and this was requested on XX/XX/XXXX 2022
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| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX last XXXX SSN XXXX Adress : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Customer Relations : This letter is in reference to a late payment with the account I have with your company Last year due to extreme financial hardship and medical problems, I became seriously behind on several of my bills. While I normally make great effort to honor my debts and fulfill my responsibilities, at the time of the late payments I was simply financially not able to pay my bills I have since gotten back on my feet and brought my account up to date with your company.
XXXX am now trying to buy a home, however I am having difficulties receiving an affordable rate due to the impact of having a late payment on my credit file. I am hoping that your organization will consider removing this late payment from my credit report as a gesture of goodwill. This kind gesture would sincerely be appreciated and an invaluable gift to my family and I.
Sincerely, XXXX XXXX
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| 04/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Fraudulent loan
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Web |
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Fact, The truth in lending act is intended to inform consumers about the cost of credit.
Fact, The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived so be it.
Chrysler Capital is in violation of 15 USC 1605 ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. Chrysler Capital did not include my insurance in my finance charge.
Chrysler Capital is in violation of 15 USc 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Chrysler Capital in fact took cash {$500.00} dollars.
Chrysler Capital is in violation of 15 USC 1611. They Willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable.
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| 02/04/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
Servicemember |
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I moved to XXXX in XXXX, 2018. I had my computer taken over after signing up for virus protection. They took money from my premier checking account that i had with Santander bank for many years I then went into the XXXX branch in Massachusetts. the Manager closed my premier checking and savings accounts and issued me a plain red card masterdebit instead of the gold premier card I had for many years!!! I never asked him to give me inferior accounts and assumed he would do his job and replace said accounts with comparable ones! now i just noticed a fraud charge on my red card as my gold card no longer works. the bank has discontinued those premier accounts now, but I was supposed to be grandfathered in as I was a XXXX Bank member for 25 years. I want all my premier checks returned and gold card back like I had for many years!!! the XXXX thieves also stole {$7000.00} which I never received., so I'd like that deposited to premier checking
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| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have had XXXX separate disputes regarding loan information being provided by Santander. In each dispute Santander had to update change or correct multiple fields each time. XXXX XXXX of the changes were to the same fields. Dates and amounts of payments, principal remaining, interest rate, payment history and others. In XXXX XXXX XXXX my principal balance was reported as {$0.00}. The following month it had ballooned to {$12000.00} directly affecting my credit score. The principal owed and payments amounts and dates have been changed or corrected XXXX times. The same fields were corrected XXXX or more separate times. It has directly affected my ability to secure financing. Another financial institution advised me to check the reports being made by Santander. The repeated false information and inability to provide correct information about same items and having to change these items so many times is breaking the fair credit reporting act.
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| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Santander Consumer USA, Account number ( XXXX, Account type : Auto Loan, XXXX XXXX XXXX Account number ( XXXX Account type : Debt Buyer, Has violated my rights according to article ( 15 U.S.C 1681 section 602 A. ) states very clearly that I have the right to privacy ( 15 U.S.C 1681 section 604 A. ) also states ( A consumer reporting Agency can not furnish an account without my writing instructions. And article ( 15 U.S.C 1681 c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reports containing any of the following items of information as well as any other adverse items of information, other than convictions of crimes which antedates the report by more than seven years. As well as article ( 15 U.S.C 1681s -2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
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| 06/05/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
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| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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SANTANDER CONSUMER USA Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above.
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| 01/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am so sick and tired of banks, being able to take their sweet time and reporting when account has been paid in full and closed versus if somebody has a blemish on their credit report If Ive paid my account in good faith, and paid it off completely and close the account. The bank has the luxury of taking 2 to 3 months from what I am told to report this to the credit bureaus However, if I slip up and make one missed payment, they are more than happy to report that in less than 24 hours This is ridiculously unfair! The government needs to take steps to hold these financial institutions accountable for their actions and level the playing field! If they can report negative information and 24 hours, they can report positive information in 24 hours!!! They should not receive any sort of special treatment or accommodation, because of processing time as that doesnt seem to be an issue for them when theyre reporting negative information!
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| 05/10/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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ACCOUNT NAME SANTANDER Account # XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish anaccount without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an accountwith this agency! My rights has been violated and they are in violation according to the statutes mentioned above
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| 05/31/2023 |
Yes |
- Debt collection
- Auto debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, On XX/XX/2023 I sent in a notice for validation of debts to SANTANDER CONSUMER USA. ( All proofs of mailed delivery signed certified mail is included in the documents section of this complaint. ) It has now been 60+ days since that initial letters delivery, they DID NOT provide me with the required information under 12 cfr 1006.34 to validate that I owe any debt. I gave SANTANDER CONSUMER USA an opportunity to cure. They have not responded and they are furnishing my information to the major consumer reporting agencies.
I'm writing to you to document their default in proving I owe any allegate debt and I am seeking remedy.
I've attached proof of violations, an invoice, and the specified remedy I am seeking in the documents section below.
If they do not respond promptly I will have no choice but to file suit.
Thank you, all information from all presentments from XX/XX/XXXX to today is attached below.
XXXX XXXX
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| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi, I originally disputed XX/XX/XXXX, via mail handwritten letter. I was never notified about a debt I owed with Santander Consumer USA Account # XXXX. I asked Santander Consumer USA to verify the debt and I never received a response and it have been well of XXXXdays. I included my updated mailing address in the letter to make sure Santander Consumer USA would know where to respond to my dispute. I also noticed on my credit report a few details and I wanted to know how the balance was calculated. I would like a signed contract between myself and the debtor. This is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. I also stated that the date of last activity was XXXX I would like a list of all activity on the account.
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| 10/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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The company claims that my account was closed and the company wrote off a {$20000.00} loss, the corresponding entry appears on my credit report, which is completely false information, I have been arguing with this company for two years, which refuses to change these false statements. They are false due to the fact that the car was sold at auction and the company received a payment from GAP insurance. In addition to this, I gave up the car voluntarily, if the company doesnt think so, then let them provide an invoice for ordering a tow truck, of course there was none. That is, my rights were violated due to the fact that it was not indicated that this was a voluntary repository.Also, the company sold the debt to a collection agency, with which I had an agreement to pay and delete both the collection record and the record of the original creditor. I paid the debt, I demand that this information be removed from my credit report
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| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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On XXXX XXXX, XXXX, I received three hard inquiries in regards to accounts being open with : Chrysler Capital XXXX XXXX XXXX XXXX, XXXX TX XXXX In communication with Chrysler Capital, the credit inquiry is in regards to a vehicle loan not requested by myself from XXXX XXXX XXXX XXXX Dealership in Texas. This is a case of stolen identity and fraud.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT, XXXX In communication with XXXX XXXX, I was advised to send an email in regards to the credit hit but not given any information on what the credit hit was for. This too is a case of stolen identity and fraud.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX In communication with XXXX XXXX, I was informed a XXXX Credit Card was opened without my consent and not by me. I was informed the account was now closed and reported as fraud and disputed for credit resolution. This is a case of stolen identity and fraud.
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX closed my account after i lost my credit cards inXX/XX/2022. I could not log into my account and when i called i was told that i had to wait for a letter in the mail to get my balance to pay. I asked they why they closed my account they said because they could not long have a relationship with me based off their company standards. So i waited for the letter but in the mean while they were reporting me late when i was never late to begin with. I called to settle the debit with one exception that they fix the late payments. I explained what happen again and they said they would send me a letter. 2 months later i get a letter saying that i was late. I don't understand how i could be late on closed account?? does that even make sense. this is affecting my credit and i need this fixed. i have disputed several times and request verification and never get anything.
Reporting late on XXXX XX/XX/2022 to XX/XX/XX/XX/2022
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| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Good Morning, I am writing because I had a car financed through Santander Consumer USA in XXXX. This car was placed as a charge off, several years ago. I have disputed this numerous times, because the car was sold at an auction. When I contacted Santander in XXXX, they let me know that the car would be falling off of my credit in XX/XX/XXXX. I asked them to clarify the balance, since the car was sold at an auction. They stated that the car was located at the police station, when I told them to come get the vehicle back in XXXX. They stated that the car was found at the police station, and they had no interest in the vehicle so they just left it there for the police to auction off and sale. Which is fine, but why am I still being charged the full balance and why is it still on my credit report? Can you please get them to take it off, because it has surpassed the time frame? It say they havent even reported since XX/XX/XXXX.
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| 12/14/2022 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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I have a checking account with Santander Bank. For some time now the bank goes into my checking account and takes money out of my account even though I claim that the transaction was not authorized by me. I have requested the bank to return the money to my account. The bank has refused to return the money to my account. This has been going on now for months. Additionally several stores have issued refunds to be credited back to my checking account debit card and they are refusing to credit my checking account. Or the bank is taking a very long time to credit me for the refunds. This is the holidays and I need my refunds credited to my checking account. I have been waiting for the refunds credited to my checking account. Also the almost {$500.00} taken out put back. Santander is refusing to give my money back and to credit my checking account with the refunds. I desperately need your help. This matter is urgent! XXXX XXXX
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| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I XXXX XXXX am a natural born person I am the actual person submitting this dispute. This is not a third party. After reviewing my credit profile I identified multiple discrepancies with accounts listed as XXXX XXXX XXXX XXXX account # XXXX and Santander Consumer USA account # XXXX They are reporting inaccurate last activity date and high balance to all Credit bureaus. A validation and update to my report has been requested.
15 U.S.C 1681s-2 Responsibilities of furnishes of information to consumer reporting agencies ( a ) Duty of furnishes of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge if errors. 15 U.S.C 1681e States ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates
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| 10/05/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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Date of incident : XX/XX/XXXX Total Amount of incident : {$60000.00} On XX/XX/XXXX @ XXXX XXXX EST, which is 18 hours ago from the time this complaint was submitted. I received an email from an internal email address assigned to DRIVE FINANCIAL SERVIES LP. I thank you for the email bearing a two page copy of the Retail Installment Contract, however I do believe there is more and I would like a copy of the complete installment agreement signed on XX/XX/XXXX. Included with this request, I seek to receive a copy of the 1099C and a copy of both sides of the ledger. Ledger dates should include the date of purchase through and including the date the vehicle was sold. Make sure to include with the ledger the amount the vehicle was sold for ; and all charges pursuant to TILA and the FDCPA.
This information is due back to me no later than 5 calendar days, weekends included. If this date is not met, I will file my intent to sue.
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| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
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| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I filed this report because I recently noticed a derogatory remark on my credit report. The scathing remark states a late delinquency remark for my vehicle. I have always paid my vehicle loan on time for some reason, but Santander Consumer wants to say otherwise. My payment record reflects all my payments were always taken on time. However, it seems that they misallocated my funds when I made my payments to them, which may have caused a discrepancy because after speaking with their representative, they checked it out. Even their representative had doubts about what happened. Her name is XXXX, and her employee ID is XXXX. I asked her to place the delinquency remark on the dispute, remove any derogatory remark from my account, and report the version as current to the credit bureaus. She started to claim that they did not receive the payment. I have records that show that I made my payment on time and before the due date.
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| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Confusing or misleading advertising or marketing
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Web |
Servicemember |
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Santander offered me a loan through a car dealership, XXXX XXXX in early 2020 with extremely high interest rates and fees, with a high presser seller encouraging to take it with the promise of securing a lower interest rate in the future with refinance and the expectation of immediate processing without any verification of income. This resulted in extremely high payments which became impossible to afford. If the company had in-fact processed and confirmed income and debt to income ratios, I would have found another option that did not end in loss of the vehicle and the large down payment and payments made. I believe this case should have been included in the investigation and resulting lawsuit that was filed against Santander Consumer that resulted in a settlement with AG.
I believe the company knowingly acted in deceptive consumer practices in my case as well as others, setting the consumer up to fail.
https : XXXX
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| 09/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
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- Getting a loan or lease
- Loan opened without my consent or knowledge
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Web |
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i am writing to delete the following information in my file. The items i need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible. 7DAY RESOLUTION PLEASE DELETE AND REMOVE THE FOLLOWING ITEMS FROM MY CONSUMER REPORT IN THE NEXT 7 DAYS.
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| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a Jeep, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Section 4021 of the cares act amends the FCRA by adding a new subsection ( F ) to section 623 ( 15 USC 1681. 2 ( a ) ( 1 ) to reporting obligations of creditors that provide an accommodation to consumer affected by Covid 19 who have requested accommodation durning the cover period of Covid 19 pandemic. I was affected. Im requesting to be accommodated by deleting or deferring account. In addition 15 USC sec 604 states consumer cant furnish my information without my written consent. Never wrote anything to give you the right to commit this act. Also, USC 166B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. You have committed multiple violations in accordance with the FCRA and FTC. Violations are subjected up to {$1000.00} per violation. I demand you remove immediately from XXXX, XXXX, and XXXX. I will also file a complaint with the CFPB.
|
| 12/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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Please be so kind to help me, I'm asking for your company to help me enforce what the law states for this corporation to do correctly. On XX/XX/2021 I entered a consumer credit transaction with Chrysler Capital which involved a finance charge along with a down payment of { {$5000.00} } cash. Pursuant to 15 usc1605 ( a ) finance is charge is the sum of all charges in a consumer credit transaction and does not include cash. Chrysler Capital is in violation of the 15 USC 1605 Truth In Lending Act. Chrysler Capital didn't offer any insurance and they failed to disclose to me my right of recession and provided me with the appropriate forms to exercise my right which is in violation of 15 USC 1635. As a federally protected consumer under Title 15 Chapter 41, my rights have been violated and Chrysler Capital is criminally liable, pursuant to 15 USC 1611 and also civilly liable, pursuant to XXXX5 USC 1640 and 15 USC 1692K
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| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX, XXXX : Unlawfully funded auto Loans.
XX/XX/XXXX, XXXXReport filed on Company Disputes/Phone contacts to company on reporting wrongfully on my Credit profile With all three Credit Bureau 's, and reach out about action of reporting and no change.
These reports of dispute were filled started XXXX. It started during COVID time. And at the time state of CA stated no credit issue would damage my credit profile due to due to COVID-19. I also filed a hardship which the company told me it wouldn't hurt my credit report in any kind of way. And they lied and put on my credit report negative 30 days & 60 days late. Which in return destroy my credit profile. I had to pay more in fees, and was declined in loans and declined in purchasing a home. This as been a ongoing battles that must be fix asap. I also have file with other companies too. There has been unlawfulness and violations of FCRA also the FDCPA, TILA.
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| 02/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I did not receive a check or anything from the dealership to purchase the vehicle or from the alleged lender which caused me to inquire and ask for validation and verification from the alleged lender.I was not given any ledgers of where the money came from and no information showing how the debt is valid. I also did send a cease and desist until all was resolved and they denied the cease and desist by saying they will only stop calling me but will not cease reporting to the agencies and will not stop charging me until they actually validate and verify the debt. I also received a letter from Santander the alleged lender stating that they are the indirect lender which is very strange and appears fraudulent who is the direct lender.I am requesting payment for the violations, a return of my down payment, the finance charge, transfer of the title to me, and removal of alleged debt from Santander and any third parties
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| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, XXXX, XXXX, and previous months.. I have submitted my disputes, requested the investigations, called the agencies to speak with real people. My requests have been ignored. My rights and privacy has been violated and disrespected. My character and reputation have been discriminated against. I have suffered from reciieving credit I deserve, for both personal and business benefits. My family has suffered as well, being denied the financial stability for everyday living. I have been denied auto financing, credit cards and business funding. I have also reported these issues with the CFPB, XXXX, and attorney general. Nothing has been done to ensure that my family and my rights be honored. I have been more that patient with this process and have endured far too much stress and hardship. I am requesting the attention that this matter deserves, I can't provide for my family this way, and that is unacceptable.
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| 11/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I hope this letter finds you well. I am writing to address a matter pertaining to my credit report, specifically regarding late payments associated with my account. I understand the importance of maintaining an accurate and up-to-date credit history. I am writing to request the removal or updating of these late payments on my credit report. I believe that these entries do not accurately reflect my overall creditworthiness.
CHRYSLER CAPITAL XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
I have taken proactive measures to rectify the situation and ensure timely payments in the future. I value my financial responsibility and the importance of a positive credit history. As such, I kindly request that the late payments associated with my account be either removed or updated to accurately reflect the current status.
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| 10/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
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Web |
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On XXXX XXXX I visited XXXX at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and test drove a 2022 XXXX XXXXXXXX XXXX XXXX that was priced at {$43000.00} after the test drive I informed the salesman XXXX XXXX that I was interested in purchasing the vehicle he then informed me that the vehicle would be ready for me by Monday XX/XX/2022. After filling out and signing the application ( which no copies were provided to me ) he walked away somewhere and after being away for a short amount of time he then returned to me and said that the process was taking a little longer than expected and that they were close to their closing time and told me to check back in with him. Due to the fact that it was a weekend and after him stating that the vehicle would be ready for me by XX/XX/2022 I waited until then to contact him only for him to tell me I was denied because my credit wasn't good enough.
|
| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I MADE A {$10000.00} ACH PULL TRANSFER FROM MY XXXX XXXXXXXX XXXX ACCOUNT TO SANTANDER BANK CHECKING ACCOUNT XXXX XX/XX/23.
ON XX/XX/23, SANTANDER BANK REJECTED THE TRANSFER AND SENT ME AN EMAIL STATING THEY ARE TRANSFERRING BACK THE FUNDS TO MY XXXX XXXX XXXX CHECKING ACCOUNT AND TO CHECK MY XXXX XXXX ACCOUNT IN THE NEXT FEW DAYS.
I CHECKED ON XX/XX/23 BUT NO RETURN OF FUNDS TO MY XXXX XXXX CHECKING ACCOUNT.
AND THERE IS NO TRANSACTION HISTORY SHOWING UP IN MY SANTANDER BANK THAT THE MONEY HAS BEEN RETURNED.
CALLED AND SPOKE TO SANTANDER BANK FRAUD/SECURITY TEAM AT XXXX AND THEY SAID THEY ARE HOLDING THE FUNDS AND THEY ARE UNABLE TO RETURN THE FUNDS AND WANTS XXXX XXXX XXXX TO CLAIM IT FROM THEM.
XXXX XXXXXXXX XXXX SAID THEY ARE UNABLE TO CLAIM FROM THEIR END.
THE TRACE NO FOR THE ACH TRANSFER IS XXXX.
CAN YOU PLEASE HELP ME GETTING MY MONEY BACK TO XXXX XXXX CHECKING ACCOUNT? THANKS A LOT!!
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| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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On XX/XX/XXXX I received a call from Santander I had a conversation with the representative and she said if I paid on that day {$400.00} that they wouldnt repossess the car for the entire month of XXXX and I explain to them that Im selling my home in XXXX and I would be able to pay off the car in XXXX. On XX/XX/XXXX they repossessed the car when I called try to get them to work with me if they refuse to work with me anymore after the car was repossessed and they even acknowledged that they saw the note saying that they wouldnt repossessed the car in XXXX but they did it anyways I had a verbal agreement they admitted that they had a verbal agreement and broke the verbal agreement anyways I would like our car back I would like back pay for the rental cars weve had to get it also has cost us to not be able to close on our house as soon as you want to because we couldnt get to the bank to sign paperwork.
|
| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I would like to report Santander Consumer USA unfair and deceptive practices. They have participated in illegal repossession, Reporting a charge-off on my credit but told me it was not a charge-off, Fraudulent loans, and failure to comply with and disclose Truth in Lending Disclosures. I have reached out to them requesting documentary evidence. I have sustained damages from what they put me through and have struggled tremendously due to their actions. I am also requesting that they send me documentary evidence in accordance with 15 USC 44 which reads Documentary Evidence includes all documents, papers, correspondence, books of account, and financial and corporate records, and without all of those the error is unable to be resolved to clarify what I believe to be a billing error of the finance charge. I have also filed a complaint with the Attorney General and will be moving forward with arbitration.
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| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
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Web |
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According to the law 15 U.S. Code 1681 b - Permissible purpose of consumer reports, A consumer reporting agency can not furnish a account without my written instructions is considered Indentity theft. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I received a copy of my credit report and found the following items to be INACCURATE and has violated my rights XXXX : XXXXXXXX XXXX Account number XXXX XXXX XXXX XXXX : XXXX XXXXXXXX Account number XXXX XXXX : XXXXXXXX XXXXXXXX Account number XXXX XXXX : SanTander Comsumer Usa Account number XXXX XXXX : XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX : XXXX XXXX Account number XXXX XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX XXXX Account number XXXX XXXX : XXXX Account number XXXX XXXX : XXXX XXXX XXXX, XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX : XXXX XXXXXXXX Account number XXXX
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| 07/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
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Web |
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I entered into a period of financial hardship in XX/XX/2023 and fell behind on my car payment. Santander Consumer Finance USA was made aware of my situation and after the account became 60 days past due, issued a letter to cure. I was about {$600.00} short from the amount due and the lender continued to communicate with me. I made payments : {$500.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and another {$160.00} on XX/XX/XXXX. The lender has not offered to lower payments, defer payments or any other form of financial hardship assistance. However, the lender does continue to ask pricing questions about when the account will be caught up despite their knowledge that I am going through a financial hardship despite the consistent reminders. Santander lacks economic sympathy for consumers like me and their inability to provide solutions create heightened stress, XXXX and unnecessary suffering.
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| 03/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
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Web |
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Employee of the bank accompanied by another employee has confirmed verbally that based on my account status my husband was never interested along with opening up about his son doing s marriage investigation about a girl 's marriage he liked and wondered if that me. Employee of the bank reference his son being in an organization which might want to check me out or I will have to pay because I am not from there but I would have a good life with his son. Employee of the bank due to knowing about an investigation and stalking experienced post the visit at the bank in XXXX Massachusetts and XXXX XXXX, constitutes unfair information trading and Privacy Policy violation. The employee no longer works there however the victim of that conversation and unemployed woman believe that employees son inflicted her chances to land employment at least in XXXX Employee engaged in forbidden conversation.
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| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.
15 USC 1681 section 602 A, States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information.
Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
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| 09/12/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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I made a purchase in XXXX for {$720.00}. The order says it was delivered but it was not. A claim was filed with XXXX and XXXX determined the item was not delivered to me. The claim was approved claim # XXXX. The claim was paid to the seller on XX/XX/XXXX. The seller will not return my money so I filed a claim with Santander Bank. I provided a letter from XXXX XXXX XXXX that states the the claim was investigated and the claim was paid directly to the seller. I explained this to Santander Bank but because the seller provided them with the tracking information showing it was delivered they denied my claim. I explained that is why we opened the claim with XXXX because it does show delivered however it was not delivered to me. That is why XXXX approved the claim and paid the seller. Now the seller has the {$720.00} that I originally paid and they have the {$720.00} that XXXX paid them.
|
| 10/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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On XX/XX/2023 I was in XXXX XXXX my debit card was stole and used to withdraw funds from my account in the total of XXXX dollars. Once I noticed my card was missing I blocked the card using online account. I called the company soon as they opened on XX/XX/XXXX explained the situation. Claim was filed. I called 2 weeks later since I heard nothing from the bank and was told my claim was denied as I could not explain how my pin number was obtained. I was then told I couldn't open another claim. The transactions we clearly not me as they were done at different ATM machines and they attempted multiple times till they reached the daily limit for withdrawals which was set at XXXX dollars which I was not aware the limit was that high. They told me they couldn't access the ATM video because I was in XXXX even though the funds were withdrawn from the same Santander bank as my ATM card is.
|
| 08/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/XXXX, I received a phone call from the Law Office of XXXX XXXX, I returned the phone call XX/XX/XXXX. After speaking with the lady on the phone XXXX, she explained that I owed {$2000.00} for my purchase of my XXXX XXXX XXXX. She said I defaulted on a check and If I don't pay it then she is putting in the " charge '' and she will be repossessing my car. The only lienholder on my contract, and on my registration is Chrsyler Capital. I did not agree to pay any extra {$2000.00} to these people. On my legal XXXX XXXX XXXX XXXX shows I fulfilled my full down payment of {$4500.00}. I am being harassed and threatened by the company. Per any contractual law. I am only legally obligated to pay my lienholder which is Chrysler Capital and have made no further agreements to any other lender, or promised to pay any other amount of money to. I am including a copy of my contract.
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Consumer bought a vehicle in XXXX that was repossessed in XXXX of XXXX. In XX/XX/XXXX the vehicle was sold at auction and then the remainder was charged off ( co ). The company continued to record a co every month until I filed a complaint in XX/XX/XXXX after receiving a settlement in the mail from a civil case the consumers won against Santander. Case attached. The company stopped reporting the negative information once I filed a dispute. But they did not fix the 3 years of monthly negative information prior to the dispute date. Consumer would like the report corrected back to the date of the erroneous information being sent. Once the balance is ( co ) the consumer no longer has an account with Santander, therefore they should no longer be reporting any information.
Also because of the lawsuit XXXX and XXXX no longer records information from Santander on credit reports.
|
| 04/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Notice to agent is noticed to principle, notice to principle is noticed, to agent this is to inform the CFPB of a bad practice from Santander Consumer USA the company is collecting a debt, the company Is sending threatening letters in order to collect a debt. The company is threatening the consumer to repossess his vehicle. My understandings are the following 15 U.S. Code 1692d - Harassment or abuse. A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section. and since I am aware of the law the company needs to follow rules and regulations and since the company is being Combative, I would like to proceed with 15 U.S. Code 1667d - Civil liability of lessors
|
| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Today my car was repossessed for a second time, even though the account was brought current and monthly payments have been made. My issues began with this account after the initial XXXX occurred on XX/XX/2022, in which I was given 21 days ( XX/XX/XXXX ) to pay the amount of {$2300.00}. The payment also included my next monthly payment. After the payment was successfully made on Friday, XX/XX/2022, the vehicle was returned to me. Subsequently, two additional monthly payments were made and both were posted to my bank account on XX/XX/XXXX and then XX/XX/XXXX. There have been problems when trying to reach customer service by phone. Due to the phone system experiencing system difficulties, I'm unable to reach anyone directly for assistance. This vehicle is my family 's only means of transportation and has caused me a great deal of inconvenience with it being repossessed again.
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had an account for 75 months with Chrysler Capital in XXXX when covid started I did it two month deferment which would have been XXXX and XXXX of XXXX I paid XXXX of XXXX. So XXXX and XXXX was supposed to be deferred the payments would have started back up in XXXX. But I ended up paying XX/XX/. Which should have been applied to XX/XX/XXXX not XXXX. Since then this company has reported me four times late. And the last two were XXXX of XXXX and XXXX of XXXX both payments were made and then the account was paid in full. They reported me 30 then 60 days late and 23 nothing is being done to them I have disputed it with XXXX I have called Chrysler Capital I want this rectified I want a letter of apology. And if it has to I want this reported to the attorney general 's office because they have done this to people before and they're allowing them to get away with it.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2022 there was an inquiry reported from SANTANDER CONSUMER USA that I did not authorize.
On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me.
On XXXX there was an inquiry report from XXXXXXXX XXXX XXXX that wasnt authorized by me.
On XXXX there was another inquiry report pulled from XXXXXXXX XXXX XXXX that wasnt authorized by me.
On XXXX another inquiry report was pulled by XXXXXXXX XXXX XXXX that wasnt authorized by me.
On XXXX an inquiry was reported from XXXXXXXX XXXX XXXX that was not authorized by me.
On XXXX there was an inquiry reported from XXXX XXXXXXXX XXXX that wasnt authorized by me.
On XXXX there was an inquiry reported from XXXX XXXX XXXX XXXX that was not authorized by me.
Ive contacted each of these financial institutions explaining that it was not me and the reports are still on my report.
|
| 09/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
For some reason today I received a debt collection call from Santander Consumer USA. This was an automatic robo call. Santander, has no reason to be contacting me. Currently, I don't have an account balance with them, and I'm not in collections. Back in 2018, I filed a case against them in XXXX. That account was closed and settled. i have attached the file. After that account was closed, there is no reason for Santander to have my contact number ( XXXX ) XXXX on their records to contact me. First of all, that is a business line, and again I have no outstanding accounts with them. I called the number back and selected the option for them to remove from their system. I don't have any accounts with anyone in collections. So, this company should not be contacting me, and they should not be attempting to collect anything from me, on a closed matter which that was settled.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
Hello there, My husband and I went to XXXX XXXX last Wednesday XXXX, we were trying to be pre-approved for a home mortgage. But, unknown to us, there was a car loan showing a charge-off from XXXX, not XXXX or XXXX...?
So, my question is what can be done about this, I did call Yesterday XXXX, XXXX which was changed from SANTANDER at XXXX, their operator told me that the vehicle had been sold and that they could keep it on my credit for XXXX years, what kind of craziness is this?
We let them come and pickup the vehicle the year of XXXX, that has been at least 7 years, we could no longer afford this vehicle any more. Is there something that can be done about XXXX going along with this craziness but the other credit bureau 's are not..? But, the Name SANTANDER is what is being shown on our Credit Report, even through they have sold out to another company ....
Thanks.
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payments is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not Account number I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payments transaction records from the creditor that would prove that my payment was not submitted on time.is my understanding that you must verify these items with the reporting agency .if they are unable to provide the proof or if lacking proof of these payments being late.please update my payment history to XXXX status paid as agreed never late according to consumer protection law.
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
Hello, this complaint is because I tried to work it out with the bureaus, and they are still not complying. I requested a debt validation letter from XXXX and the agency reporting these false misleading inaccurate accounts XXXX XXXX XXXX XXXX and Santander ) nothing has been done to try and correct their inaccurate reporting. I specifically want them to send the application or contract used to open these accounts bearing my signature because that is my right as a consumer. I sent letters to XXXX the XX/XX/2022 and we are in XXXX the XXXX, and nothing has been done and I have not heard from XXXX, Santander or XXXX XXXX XXXX yet regarding this matter which makes me assume they can't validate this debt which is supposed to be removed. The only thing I received from Santander was a letter saying they updated my accounts. These creditors are reporting without my consent
|
| 10/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Santander Consumer USA had my car ( XXXX XXXX XXXX ) repossessed on XX/XX/XXXX. I contacted them and was told payoff was {$4200.00}. I sent the payment on XX/XX/XXXX. I waited until Monday XX/XX/XXXX to contact them again to see about picking my car up. I was told payment was recieved and that my car was released to me and given the info for XXXX XXXX XXXX XXXX. I contacted XXXX and was told they had my release and gave me the info to the lot that had the car, XXXX XXXX XXXX XXXX XXXX XXXX to pick up my car. I was able to finally get my car from them on XX/XX/XXXX. So I've now paid my car off and recieved it back. I've also recieved my title with a release from Santander with a statement stating my car is paid off. Today XX/XX/XXXX I recieved a call from Santander claiming I owe them money. No. I do not owe them. I paid them out and they gave my car back with title.
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchased a truck from XXXX of XXXX XX/XX/XXXX. I had 90 day grace. The motor and transmission were not in working order. The truck wasnt repaired and was returned to company and sold at auction. XXXX worked with Santander and I got another vehicle. About a year later XXXX, this began to show up as a charge off, I would dispute, send documents and they would take it off then add it back. XXXX sent them the contract and documents and they would fix it, then add it with different information. In XXXX of this year, it reported I just charged it off in XXXX of XXXX! I contacted credit bureaus as it has been over XXXX yrs. Santander changed dates again and NOW it shows XXXX. I need this debt off my credit reports. They shouldnt be allowed to continue to change dates and keep adding additional years to my report. I havent had this truck since XXXX of XXXX. Please help.
|
| 12/29/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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|
Somebody got access to my bank account so I went to my bank which is Santandar and they close the account. We went through the fraud department. This was in XX/XX/2023. It is now XX/XX/2023 and they are so refusing to refund me all my money I give them a police report statements everything that they have asked for theres over {$13000.00} that was withdrawn out of my account and they froze my old account once I went to, the fraud department and they told me that it was frozen and with that they still let funds go on the frozen account I gave him a police report. I went to the XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX was created as well and they saw that it was fraud, so I had those notes sent in, they owe me {$13000.00} and they are refusing to give it to me even though they are insured attached is the link to what happened I went public with it https : XXXXXXXX XXXX
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently received a copy of my consumer report after submitting an investigation request into the accounts being reported inaccurately on my report. XXXX XXXX. The account is still reported inaccurately, I have never agreed to any consumer contract with this corporation and when I asked for the method of verification to be supplied I never received anything back. Now after submitting my CFPB compliant regarding this account the consumer reporting agencies stated that the account has been updated when in fact all they did was reset the start date and last report date which according to federal guidelines that's illegal because that would change the date for the 7 year term that an account is suppose to stay on a consumer report before being deleted. I have supplied a copy of the account in question which you can clearly see that none of the information matches.
|
| 07/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Im around 2012 I purchased a XXXX XXXX XXXX. I was placed with santander in a sub prime loan that was very heavy interest front loaded. I fell behind on payments and was behind for a long time. XXXX came and I was out of work and then santander charged off the account as a loss. I still have a balance even after I have paid thousands more than the car was even worth. Of course Ive seen so many lawsuits over the subprime loans but our XXXX XXXX didnt opt in to the big lawsuit. What I want is a clear title to be given and the entire amount forgiven. santander has had predatory practices for years and quite frankly it needs to stop. They took advantage of me and likely millions of other Americans. It should not be allowed. The car no longer runs and it just sits in my garage it will no longer even start. I paid thousands over what the vehicle was ever even worth.
|
| 02/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
My Consumer Credit Transaction with Santander Consumer USA for a auto loan was breached and violated Consumer Laws on XX/XX/XXXX. In my contract, my interest rate is 19.20 % at a Finance rate of {$20000.00}. How is that? I am financing a XXXX XXXXXXXX XXXX XXXX XXXX XXXX used with XXXX for {$29000.00} including gap. Its to high of an interest rate. My total sale price is {$52000.00} for the entire loan. I notice in my gap coverage that they had put my amount financed for {$29000.00}. It doesn't match with my Retail Installment Agreement which is {$29000.00}. Also a good friend of mine that XXXX XXXX stated to me that they salesmen and the manager lied and adjusted my income at the time for approval. I been paying my monthly bill until i lost my job due to XXXX and i asked for assistance with them they said they cant because I already asked for financial help.
|
| 06/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have an auto loan through Santander Consumer, a vehicle warranty was added to the loan without my knowledge or approval by the dealership, I asked that it be cancelled. The cancellation was processed and the amounts refunded to my loan. On XX/XX/XXXX there were XXXX payments, {$2300.00} and {$590.00}. On or about XX/XX/XXXX those payments were reversed but on the same day reapplied to my loan all going to principal. Initially one of the payments was applied with {$150.00} going to interest. On XX/XX/XXXX I received a call that my loan was past due. I questioned the almost {$3000.00} they received and they said that did not count because it was all applied to my principal. My account never showed a past due status and statement also shows no past due status. I've never heard of any payment regardless of where it is coming from not being considered a payment.
|
| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
In XXXX of 2023 I spoke with a rep from Santander Consumer Usa about the reason I fell behind.Which was due to a XXXX XXXX which took me out of work for XXXX .I told her I needed to make a payment plan which would bring me up to date as I was just starting to get back to work.She told me she would be happy to help me with the issue.After discussing the options we agreed to XXXX for XXXX 2023,XXXX dollars for XXXX of 2023 and the last one would be for XXXX due XX/XX/XXXX 2023.Just received another statement in the mail charging me XXXX late fees.All my payments are done by phone and paid before the due date! When I call them back I get the same answer n nothing is resolved! Also I have spoken to them time and time again about late charges nothing changes! Also requested for them to stop calling my co signer because she doesnt pay my payment and they keep her
|
| 06/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
My housekeeper who has no credit history needed a vehicle after her old one was stolen. I agreed to co-sign for a loan so she could purchase a XXXX XXXXXXXX XXXX. When I inquired at XXXX XXXX, XXXX XXXX, NM, about the finance company, I received no answer and didn't learn about the company till they sent me their billing information as a co-owner. I was horrified that the interest rate was nearly 12 % and this company wants payments from both my housekeeper and me. I researched the finance company and learned it was a subprime lender, Santander Consumer USA, already being sued for fraud in 2 states. I have tried texting and phoning them about their interest rate but have received no response. If this 72 month loan is paid off, it would amount to about {$9000.00} extra in their pocket. I consider it a rip off and wonder if this company is actually legitimate.
|
| 12/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/XXXX, I was scammed by someone impersonating the federal trade commission in XXXX texas. I was told that my identity was used for money laundering and that I must secure my money with them for the investigation. I XXXX the federal trade commission and verified that their number matched the number that called me. I processed to send my {$1500.00} through XXXX in XXXX payments {$630.00} and {$900.00}. They also asked for me to send a picture of my driver 's license. I opened a claim with XXXX and attempted to dispute the charges after I requested them from the receiver and they were denied. I also reported The recipient 's XXXX account. XXXX told me that I have to talk to my bank Santander. I called and initiated a claim and they denied it and told me that I have to talk to XXXX. I filed a police report and a report with the federal trade commission.
|
| 01/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This is my first dispute regarding Chrysler Capital. Chrysler Capital is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the Commercially Reasonable Manner of the Transaction letter, I did not receive the 3 disclosures that all financial institutions and one of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated third parties and I did not sign anything and it wasn't provided with the documents Chrysler Capital sent. Chrysler Capital has repeatedly violated the FCRA and my consumer rights and now I am demanding this unlawful repossession be deleted from my credit reports immediately.
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
|
| 12/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
In XXXX Chrysler capital at XXXX XXXX XXXX Loaned me XXXX for a XXXX XXXX XXXX with flat tires and barely any oil!. I tried to take it back not even 24 hours later due to all the vehicle problems and they told me they were not going to take it back!. I was informed All sales are final even if you dont want it because of all the issues!. So the vehicle is a scam and now the loan to!. Once I noticed all the issues with the vehicle I started to see another problem like sky high interest rates with compound interest due to Covid stopping my payment!. So with in a year of buying this lemon my payment not doing anything just straight to interest!. Even when I pay them with an over payment of $ XXXX and still my balance is not going down. Its going up.
About XXXX later still the balance is over {$32000.00} is an estimate I have proof and statements!.
|
| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Ive had a car loan through Santander Consumer USA since XXXX of XXXX. About XXXX weeks before the XXXX lockdown. Ive had issues this year with them saying XXXX behind on payments. I asked for a 2 month extension for the months of XXXX and XXXX of XXXX. I did get behind on my payments in XXXX and XXXX of this year. But Im caught up through XXXX and they say Im 49 days past due. The only payment I should be behind on right now is XXXX. They always post the next payment due before the actual due date of the XXXX of every month. My payment is just under {$400.00} per month. As of today with interest and late fees I owe {$810.00}. Thats for XXXX and XXXX. I called today and they wont hear me out or fix the problem. They just say it 49 days past due and thats what I owe. They say with XXXX I owe $ XXXX but my account doesnt reflect that. Please help me.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SANTANDER CONSUMERUSA ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
|
| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
XXXX falsely reported XXXX late payments on my account.
Santander lost my original contract I never signed a contract with XXXX XXXX tried to get me to pay for my car note twice in one month which is ( {$1200.00} ) and is holding it over me I paid what I agreed which is one payment a month with Santander which is ( {$630.00} ) a month which Ive done and are currently doing But they are making the other payment that was not in the contract, affect my credit and the loan amount with late fees over {$200.00} when originally my late fee is {$50.00} but since XXXX took my contract without my consent they made it {$200.00} It is unfair and unjust since Ive never been late on an auto payment until this situation Ive reached out multiple times and never hear back from there office unless its to pressure me into paying the a extra additional unjust fee
|
| 09/16/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I have attempted to reach out to this company on several occasions each month since XX/XX/2021 I was subject to an approved Covid forbearance period as I was impacted by Covid due to loss of employment. After the Covid relief expiration I completed the application process for loss mitigation. They continuously state they dont have my application coded and or being received despite multiple emails sent attaching the application & several calls to ascertain its standing. Upon calling this company they dismiss my complaint and or terminate the line. I called them back and representatives are unprofessional and I am unable to successfully satisfy any communication concerns via phone with this company. I have several emails asking for their support and their due diligence in addressing and mitigating the loan issues and they have not been helpful!
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX, I started a dispute in regards to duplicate accounts being report on my account for 1-auto loan I had with Santander/Lending club that was paid in full in XX/XX/XXXX to XXXX balance but was being reported as an open and still revolving credit. After I did so, the account was updated to reflect XXXX balance but then reported that the account was delinquent 2 times in XXXX more than 60 days in XXXX and XXXX of XXXX which was false information. This negligence/false reporting caused my credit score to drop significantly by over XXXX points across all 3-credit reporting bureaus. Causing me to be denied business credit because my credit dropped from good to fair, low XXXX to mid XXXX. After the dispute and correction I did not get my points back due to their error and now cant regain the credit access I have worked hard to maintain.
|
| 08/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
My name is XXXX XXXX and I am in need of some assistance. There is a class action lawsuit against Santander for predatory lending practices. Nebraska and Georgia are just a few of the states mentioned in the class action lawsuit. Attached is a letter explaining my situation. I would like to know if your assist me, if not, do you know of any other agencies that can provide any assistance? There is also a class action lawsuit against XXXX due to engine failures, fires, and excessive gas consumption. My car is a XXXX XXXX XXXX and according to XXXX, if my engine is not stalling or knocking, I can not get any assistance. The current lawsuit does not cover excessive oil consumption. My car has a blown head gasket and I still have an outstanding loan on my vehicle with Santander and I can not drive it!
Thank you for your time XXXX XXXX
|
| 09/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Santander Consumer USA has been using unfair and deceptive acts. 16 CFR 433.2 15USC 1692 I requested a validation of debts on XX/XX/XXXX from Santander and they did not answer any of the questions, the letter Santander sent back was not signed by any assignee or agent. It was also said that the debt is verified. But by whom? Along with a right to repossess. They did not disclose that I had a right to rescind. They did not notify me of my rights. They did not disclose. They have violated my consumer rights. I obtained this to use essentially for my household and family.
They are also reporting that this vehicle was paid off due to a natural disaster in XXXX. My payments that I have made have not been applied to the vehicle loan. So I disputed it and now they are threatening me with repossession. This is a fraudulent contract. 16CFR433.2
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( SANTANDER ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
|
| 09/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
So, I deposited my paycheck amount is XXXX $ on XX/XX/XXXX to my Santander 's account and I accidently lost the check, but on XX/XX/23 i got the letter said that the check that i lost was also paid at XXXX XXXX XXXXXXXX on XX/XX/23 and now my account is closed due to negative balance.I did go to three of the banks that were involved which is Santander ( my bank ), XXXX XXXX ( check belonged to ), XXXX XXXX XXXXXXXX XXXX Bank that been Cashed out the check ). These bank always keep saying the same thing which is not there's fault and they keep blaming each other. I do have the police report and now i dont know what to do. Today i went to santander in XXXX again, the teller girl keep saying that the investigation is done and she can't do anything about it, so now i have to take full responsibility for it because it is under my name.
|
| 06/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I was unemployed from XX/XX/XXXX to XX/XX/XXXX due to the pandemic. I was able to make intermittence payments ; nothing really consistent. However, I called to see if there was some assistance that Chrysler Capital had to help their borrowers. I was told no because, I had filed a XXXX XXXX bankruptcy but, reaffirmed that vehicle. Never received any correspondences from Chrysler Capital from that point moving forward.
Once employed full time, I made double payments to get caught up. On XX/XX/XXXX, the car was repossed while vacationing in Texas. While calling to set up the time to claim my belongings from the vehicle. The Customer Service rep shared that this car had been charged off in XX/XX/XXXX. And yet, i had been paying.
As of today, I still have not received any documentations from the finance company regarding this car.
|
| 10/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I was lied to, scammed, pressured and manipulated by the manager at XXXX XXXX into purchasing a new vehicle that I did not need nor wanted. I told them I was on a fixed income and could only afford payments similar to what I was already paying {$350.00} per month. The new loan is the same amount of my XXXX check which leaves me with nothing. I had returned the vehicle within 3 days and I was told by the manager by purchase was a final sale and denied all requests I made to purchase vehicle with lower payments. The car they sold me I didn't even get to pick out and has been having issues ever since. This loan is double what I was paying on previous vehicle. I have reached out on multiple attempts and have been dismissed and denied any assistance. I need HELP! It should be against the law to take advantage of a XXXX senior citizen.
|
| 10/21/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
I have requested in-house assistance with SANTANDER concerning the accounts that were to be RETITLED. SANTANDER was XXXX XXXX were the XXXX, XXXX XXXX XXXX, was assured by the bank that his estate plan via his Irrevocable Trust upon his death would be administered as his Trust and Last Will and Testament dictated.
I visited at least 2 different Branches that were acquainted with the accounts and each refused my TRUST CERTIFICATE and the copy of the RETITLEMENT request from XX/XX/2008. I called on the phone to the Corporate office, spoke to DECEDENT affairs and spoke to 2 different persons from the EXECUTIVE offices who REFUSE to follow the process or rules for closing accounts and releasing funds of a deceased account holder with an duly executed ESTATE PLAN.
The Bank is refusing me access to my inheritance and my XXXX XXXX.
|
| 10/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/XXXX, Santander sent XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XXXX to my house and repossessed my XXXX XXXX XXXX XXXX vin number XXXX in violation of The statute of limitations is Collection of Debt on Account 3 yrs. Civ. Code 3494 ( 4 ) has passed on the debt. Please read the previous complaint filed in XXXX and other previous complaints regarding this issue. My son has no way to get to work. all our belongings are in the car he will lose his job. They have continued to harass me by sending random people at all hours of the night on my property scaring me because I do not know who they are and they do not identify themselves. Santander was made aware of this in XXXX of XXXX in the previous complaint .santander charged it off on the credit report and stated in court papers they no longer want the vehicle
|
| 02/28/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My husband and I sent it to the mortgage company concerning our property taxes exceptions on XX/XX/XXXX XXXX XXXX And I have been calling almost every day to get the mortgage company to give me an update on reducing our mortgage. Every time I call they are giving me the runaround when I talk with them they always connect me to different people I was told that someone's last name XXXX has a hold on our account and at this time they can't get the exceptions done. We are seniors and I have been working on getting this task taken care of since XXXX I am still fighting the mortgage company to get this corrected. So we can get our mortgage lower. This is my second complaint about the company. Is it possible to get some help we have health problems and when I'm done trying to get this issue taken care of its always a problem with them.
|
| 01/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This is my first dispute regarding Santander. Santander is reporting an unlawful repossession on my consumer reports. I sent a request for all the documents they have in their possession pertaining to this unlawful reporting. I was not provided everything. I did not receive the Commercially Reasonable Manner of the Transaction letter, I did not receive the XXXX disclosures that all financial institutions and XXXXne of this is the disclosure of institution privacy policy. According to 15USC 6802 a financial institution may not disclose nonpublic information to nonaffiliated third parties and i did not sign anything and it wasnt provided with the documents santander sent. Santander has repeatedly violated the FCRA and my consumer rights and now I am demaning this unlawful repossession be deleted from my credit reports immediately.
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am aware of the laws that are put in place to help individuals like myself to fix any problems dealing with credit. So I tried reaching out to get things off of my credit I just seem to get ignored constantly. So, XXXX XXXX XXXX refuse to take the information off of my credit. Me as the consumer, I did not take out a loan which they are trying to say now it's in my credit, Santander Consumer has inaccurate information on my credit and refuse to remove it. All of the hard inquiries should not be on my credit after I disputed them. 15 US 1681 states that I have the right to remove all negative things from my credit and that is a violation to the law. And I did not give permission for negative items and inquiries to be on my credit, and my credit was pulled without my permission. I need this problem resolved as soon as possible.
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I purchased a used vehicle in the state of NJ in XXXX, unfortunately, my loan was approved through Santander Consumer USA. During the lawsuit between the CFPB and Santander my account was removed from all XXXX credit bureaus but after the lawsuit was over my Santander account reappeared with all the bureaus. My payment history from XXXX until the end of XXXX was wiped away -no history is being reflected. I have tried to reach out the them and to the credit bureaus stating that not only was my account readded but isn't reflecting accurate history. The majority of the information currently reflected is negative history all of my positive history is missing. Isn't it illegal to readd an account that was removed due to the violation of FCRA. My balances are never correct or up to date as well. My account number is wrong as well.
|
| 06/27/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XX/XX/XXXX I have purchased a dark-gray XXXX XXXX XXXX unfortunately my car was illegally repossessed which violated my rights under consumer laws 15 USC 1692f . The consumer law states taking or threatening to take any non-judicial action to effect dispossession or disablement of property. ( A ) There is no present right to possession of the property claimed as collateral through an enforceable security interest. ( B ) There is no present intention to take possession of the property. ( C ) The property is exempt by law from such dispossession of disablement. Also they violated the Consumer Law 15 USC 6802 when they reached out to a non affiliated third-party to repossess my vehicle and Identity theft by giving this third-party my personal information such as my name and address to illegally repossess my XXXX XXXX XXXX.
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization 2 times. I did not XXXX this company authorization to review my credit report. Furthermore, I have an active fraud alert on my credit report. The FCRA requires that upon seeing a fraud alert on a consumers file, you must take steps to verify my identity and confirm that I am in fact the person making the application for credit. I was never contacted by your company at any time.
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me a letter indicating your intention to delete the inquiries.
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am not knowledgeable of any of these inquires and never authorized these companies to pull my credit. On XX/XX/2022 I called XXXX and XXXX in on XX/XX/2022 XXXX directly in received no help. Each company suggested I dispute directly with the companies, or file a complaint with FTC, and or file a police report. I have reached out to these companies by phone and neither one could provide me any information on where the information came from. Please see below inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chrysler Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I settled the account in XX/XX/XXXX. They told me verbally that they will closed and delete account in credit report.
XXXX Santander told me they wont be able to delete the account, however it was going to be deleted XX/XX/XXXX XXXX Santander reported my account that was still not paid.
XXXX Santander told me that my account will be deleted XX/XX/XXXX XXXX Santander reported my account inaccurate and now they are telling me that it will be removed on XX/XX/XXXX.
Santander Consumer USA acct # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Everything has been disputed through XXXX XXXX, experian and verbally. I am very confused and would like this deleted from my credit report, which is affecting my credit score and my options of moving forward with my personal life.
Thank you for your support and understanding, XXXX XXXX
|
| 10/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
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|
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
|
| 03/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My ex-wife and I had a loan through Santander for a vehicle. When we divorced, I received the vehicle. I discovered that my ex-wife took out a loan on the car, which added to my car loan payments. Since I refused to pay her loan and Santander refused to remove the loan from the car note, I surrendered the vehicle to Santander. The vehicle was sold at auction. I then received correspondence from XXXX XXXX XXXX XXXXXXXX XXXX on behalf of Santander to settle the remainder owed on the vehicle. Although I still did not want to pay for a debt that was not fully mine, I took the settlement offer and paid it off, documents attached.
I am continuing to get threatening phone calls from collections agencies on behalf of Santander telling me that I am being sued and this is goign to litigation. I already paid what they asked for.
|
| 08/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American |
|
Starting XX/XX/2022, my Santander checking account debit card was utilized by individual ( s ) in Florida who had no permission to do so. Santander, or merchants, reversed these transactions. I thought I was protected for future occurrences. Instead, transactions amounting to {$2100.00} were made, but no reversals were executed.
Calls to the bank indicated that I should not worry. An investigation would be conducted. The results were that NO ERROR OCCURED. I questioned this, to no avail. The bank representative indicated that only new evidence would restart the investigation, and she stated that my PIN had been used. It seemed she blamed me for this.
I have photo records of transactions, supplied by the bank, as well as photos of my bank account during these transaction. I am seeking reversals of all transactions.
|
| 07/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I have a car loan with Santander and my car was stolen on XX/XX/XXXX. Since it was not retrieved, my insurance company declared it a total loss and issued a check for its value. Since I have only had the loan for three months and would like to avoid going through the entire financing process once more, I requested a substitution of collateral from Santander. Each time I call Santander 's customer service to discuss this, I am given a different answer regarding the feasibility of my request. At first, I was told that a substitution of collateral does not exist. After calling several more times, I was informed that it does indeed exist but it is never done for total loss cases. I would like a my request to be handled by someone who is well versed on this issue as I have been without a vehicle for close to three months.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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I am writing to address a credit inquiry made by your organization on my credit report, which I did not authorize or give consent for. This inquiry was made on XX/XX/2021 and was in connection with my car purchase.
I wish to clarify that I had a pre-approval from XXXX XXXX for financing the purchase of my vehicle, which was finalized on XX/XX/2021. The pre-approval from XXXX XXXX was a significant factor in my decision-making process when selecting a lender for my auto loan. I had no intention of applying for credit from any other financial institution.
To my surprise, I received notification of a credit inquiry made by your company, which I did not initiate or provide consent for. This unauthorized credit inquiry has the potential to negatively impact my credit score, and I am concerned about its implications.
|
| 10/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Santander Bank refusing to correct the amount owed to the bank. Debt owed was settled in full via debt collector transaction. Settlement offer and paid in full statements were provided to Santander Bank and credit reporting agencies with no effect. Credit History is being negatively impacted and negatively impacting my finances daily. Spoke with Santander Bank contact center manager in the debt collection department several times and have contacted the debit collector agency used by Santander Bank. Was told this will be resolved over and over again to no effect. Will be providing the debt settlement letter. If a financial institution is making an offer to settle debt and doesn't come through on the promise, this is both a deceptive practice and should be investigated by CFPB for repeated patterns of consumer abuse.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On or about XX/XX/2023 I called Chrysler Capital and informed one of the representatives that I no longer wished to share my nonpublic information with XXXX, XXXX, and XXXX. The representative informed me that I can not limit the sharing of my information, however I informed the representative that pursuant to the Gramm Leach Bliley Act a consumer/ customer can opt out of having their personal nonpublic information disclosed to by opting out. The representative responded stating that she understands my concern but I can not limit the sharing of my information once again. The call ended and I typed a notice on or about XX/XX/2023 and sent it to Chrysler Capital. In this notice it contains this same request and I'm requesting for Chrysler Capital to stop sharing my nonpublic information with XXXX, XXXX, and XXXX.
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information that you should already have a record of.
I have never done business with your company at all.
|
| 10/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
I obtain a copy of my XXXX credit report in XXXX and have been working since then to have this false loan removed from my account I didnt have a loan on a vehicle and have never signed for a loan. I have since then filed a theft of identify and a police report which i will attach. I spoke with the credit bureau and have sent in a dispute letter and added an identify theft statement to my credit report.
Please contact this company and remove this immediately from my report. I have been made aware under THE FAIR CREDIT REPORTING ACT the company must remove this from my report and proved a copy of the transaction records per the FTC 609 ( e ).
Account charged was {$11000.00} written off but past due as of XX/XX/XXXX is {$9900.00} the account was open XXXX I dont know if it was a loan or lease new or old car
|
| 12/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am being charged insurance on my vehicle outside of the finance charge, my interest rate is 3 % higher than the average on my loan. I am currently paying for insurance on a financed vehicle out of pocket.
USC 15 section 1605 ( c ) states ; charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership and use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
|
| 10/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Trying to get lates and derogatory remarks removed off credit from Santander XXXX. Loan was paid off in XX/XX/2022. I made several double payments and was current but they are still showing 30 day lates and 60-90 day lates from last year. Trying to get a mortgage and need these to be removed. Santander is not helpful over the phone said they could not do that did not matter that we double paid and over paid on the account. Said I should of called and told them my double payments were for certain months so I wouldnt of been marked late. They refused to take them off. I have has no lates in a year. These need to be removed.
Santander is a horrible business to work with and is nothing but a headache. They take your money and make it as difficult as possible to make anything easy for you to be able to pay them.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
These inquiries are in violation of codes XXXX XXXX as well as XXXX. I went to a dealership to authorize XXXX person to go through my credit file not ample banks/ lenders! I am unaware of these banks getting a hold of my PEROSNAL information nor have I ever signed any disclosure pertaining to " wanting my personal information publicly shared with any thrid party " inidividual ".. I am in process of filing multiple lawsuits for aggravated identity theft as, obligations with respect to disclose ts if perosnal info most importantly, permissible purposes that I clearly do not authorize .please remove my information from and stop leaking my personal info to third party individuals who are no form of actual " bureaus '' because they're no such thing as credit bureaus by government law this is all within violation
|
| 11/10/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I am experiencing a large loss of funds for unauthorized transactions on my Santander checking account. On XX/XX/2022 I used my debit card at XXXX for {$2.00}. On XX/XX/2022 My debit card and PIN were used at various ATM locations to complete multiple cash withdrawals until over {$4500.00} was stolen from my account. Thirteen transactions occurred back to back until Santander system noticed this very unusual suspicious activity which allowed said funds to be taken. I have no idea how this could happen or by whom because on XX/XX/2022 I was admitted to the hospital for a medical emergency. Please see attached. NOTE : I am hearing impaired and contact must be via email or relay service. I am XXXX yrs old and do not need the stress of this situation so I'd like to resolve it quickly as possible. Thank you.
|
| 06/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I bought my car in the year XXXX through Santander consumer ; ironically the year before they were sued and had to either repay consumers for the payments and release the titles of the cars to them because of an undercover credit check they did. Ive always made my payments either on time or early. I had a financial hardship due to my son catching COVID and me being laid off and they said they would put my late payments on the end of my load.. well they didnt happen and long story short I let them have the car because I couldnt afford it. I am a mom of XXXX and had I had more time and they moved the payments I could have caught up but they lied and told me I qualified when in actuality I did not. Santander is a scam and they have terrible reviews, anyone that has been scammed by them she be reimbursed!
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/XXXX I sent a letter to Chrysler Capital stating that I wanted to discharge the debt on due to lack of full disclosure and financial hardship. I also requested a copy of the terms of the loan agreement including any clauses that may be in violation of consumer protection regulations which they have not provided yet. I do know by law that the have 30 days to respond so I'm expecting a response from them in the next week or so. the problem is I assumed that all of the alleged monthly payments would be deferred and would not be subject to any late fees or violations until the matter was resolved. There has been a late payment for this account reported to the credit bureaus and has negatively impacted my credit score. I believe this does not show an accurate depiction of my credit worthiness.
|
| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My dad put a car in my name using a loan from Santander Consumers and a settlement letter was sent to my home regarding this and said I must pay XXXX immediately. I explained to the consumers that I had nothing to do with it. I even told them that the information they had had wasnt even have the correct information on the mailing envelops so I never even saw or took the letters seriously ( BOTH MY NAME AND ADDRESS APT NUMBER WAS MISSING ). I even reached out to my dad who I asked to please get this vehicle out of my name and he stopped responding to me. XX/XX/XXXX I paid Santander Consumers after explaining to them as well that I was not involved in this but Ill do what I can just to get this stuff off my credit. I never in my life had a vehicle or even know how to or what to do to purchase one.
|
| 05/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
On XX/XX/2023, Franchise, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX gave my information to a Santander Bank , N. A., formerly XXXX XXXX , subsidiary of the Spanish Santander XXXX XXXX XXXX. XXXX XXXXXXXX s/n, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
I did not authorize, XXXX XXXX XXXX XXXX XXXX to give my information to any third parties.
The answer service clearly states the phone number is registered on the Do Not Call List.
A violation of the Do Not Call ( DNC ) can be up to {$43000.00} per call - varying from {$100.00} up to {$25000.00} per call. Santander called me four times. I have a home in Texas however I am a California resident - not a Texas resident. Also, XXXX XXXX XXXX XXXX purposefully gave my information to Santander without my knowledge or permission.
|
| 01/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
Servicemember |
|
Santander consumer finance sent a towing to repossessed my vehicle after being put in a billing error status pursuant to 15 U.S. Code 1666 - Correction of billing errors. Which is a violation of my rights. There was no warrant of execution by the judge presented. At XXXX they breached my peace lifted my vehicle off the ground and I was told by towing company that they would shoot me if I tried to stop them.
I have been in billing dispute since XXXX.
I notified Santander of XXXXXXXX XXXX fraudulent activity.
I have sent payment for payoff request and its documented Santander lost it.
I shouldnt be obligated to pay any longer.
I should have been placed in a do not pay do not collect status while and investigation was done and a new loan was drafted instead my life is threatened for a car
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These accounts and inquiries are not mine they was made without my permission, consent, inquires Santander Consumer USA Reported : XX/XX/2022, Opened : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased my truck XX/XX/XXXX. My monthly payment is {$890.00}. I made 2 payments totalling {$900.00} well before my due date of XX/XX/XXXX. The total interest taken out of these 2 payments was around {$330.00}. I asked to change my due date to the XXXX, so my mortgage and car payment would come out of separates paychecks. I made 3 payments XXXX, XXXX, and XXXX, once again totalling {$900.00} and again before my payment was due. They applied the whole monthly payment of almost {$900.00} to interest. How is that even possible when the first month, the principal was higher. I called 3 times now about this and there is still no update from " accounting '' which I have been told is supposed to review it. Each time the representative told me it's a simple interest loan and that's how it works.
|
| 10/25/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Hello, I leased a car through XXXX on XX/XX/XXXX. Since that date, I have been in Contact with Santander, which is the company I leased the car through. Due to my contract being null and void, I have tried contacting Santander through mail and stating that under law 15 usc 1605 ( 5 ) I the consumer was supposed to be provided premium insurance, but was asked to provide and show proof of my own insurance. This is illegal because I had a finance charge of XXXX. I also stated that due to law 15usc ( c ) I the consumer would like to cease and desist the alleged debt. When I received no response, I asked that the debt collector provide verification of this debt which is law 15usc 1692g. I sent this on XX/XX/XXXX and have not received a response. Instead my vehicle was repossessed on XX/XX/XXXX.
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Name : XXXX XXXX XXXX XXXX XXXX Santander Consumer USA This account needs you be removed off my credit report IMMEDIATELY. You have not done a THROUGH investigation. Loans that were supposed taken out to purchase a new car were proven to be false. Santander is not licensed in the state of VA or NC to do Consumer Loans, Small Loans or anything with Motor Vehicle Sales. I asked for the credit bureau to verify and validate all data for this account, every notation, dates and balances, whether reported or not this inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, I would like it removed immediately!
|
| 05/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a XXXX XXXX XXXX financed through Santander. In XX/XX/XXXX I got into a car accident and the car was totaled. I had full coverage insurance through XXXX as well as GAP insurance purchase at the time I purchased the car.
XXXX paid for the car as well as GAP insurance. After GAP paid Santander reported to the credit bureau I still owed a total of {$4000.00} and continued to report the car as past due then on to a charge off.
I never received anything from Santander explaining the balance owed or why there is a balance. Ive reached out and have not been able to get an answer as to how I owe a balance after auto insurance and GAP insurance covered the car.
The account is still reporting incorrectly, monthly as a charge off updated XX/XX/XXXX which is resetting the time allotted.
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
|
| 11/19/2022 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Santander Bank.
The bank has devious banking practices. I requested when I set my CD up that it not be renewed automatically. I was ignored. Subsequently, I was told all accounts are automatically set up with automatic renewal regardless and that this takes effect 7 days after the account is set up I want the money at the maturity date to be moved into my savings so I can get a better rate elsewhere. I was told that I am not able to take my money out of Santander unless I go into a bank OR have a notarized letter.
Every other bank I do business with allows you to not have automatic renewal in the first place, and to close a CD out online.
This is a way to discourage people from moving their funds out of the bank. There practices need to be investigated and fined.
XXXX XXXX XXXX.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
It has come to my attention that you are reporting transactions on the account XXXX between the consumer ( XXXX XXXX ) and XXXX Santander Consumer USA Holdings with your company to the consumer report. This is ILLEGAL and accordinging to the FCRA ( Fair Credit Reporting Agency ) Code 15USC 1681 ( a ) -2a1 except provided in paragraph ( 3 ) the term consumer report does not include reports containing information solely as to TRANSACTIONS. My TRANSACTIONS history between consumer ( XXXX XXXX XXXX & XXXX Santander Consumer USA Holdings is EXCLUDED from the consumer report. DELETE this item marked as late from my consumer report. You are breaking the law. This has affected me tremendously and is harassment. On XXXX I sent a Cease and Desist that clearly states my rights have been violated.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2019 an inquiry was reported to my consumer report and I didnt no authorize that inquiry. My private information was reported to XXXX, XXXX, and XXXX without my consent and that is a form of identity theft. Furthermore I called XXXX and and they did not adhere to any of my complaints. I called Santander and spoke to XXXX ID # XXXX and she told me she is a not a credit bureau specialist and doesnt know why I was never sent a 1099-C form for my alleged charge-off. I asked XXXX was her company a furnisher of information and she replied yes. So I asked her does she know 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and she told me no. I repeatedly asked why I never received a 1099-C form for this alleged debt and she had no response.
|
| 08/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
In XXXX of 2023, I wrote a check in the amount of {$24000.00} and sent it by mail to the Massachusetts XXXX XXXX XXXX. When I received my electronic bank statement in XX/XX/2023, I verified that the amount had cleared the account. However, on XX/XX/2023, the payee contacted me to inquire the status of the payment. On that date, I reexamined the bank statement and the image of the front of the check showed the that the check had been altered. The payee was changed to XXXX XXXX and the word services was added on the memo line. I immediately contacted the Santander Bank fraud department and filed a fraud claim. Santander Bank has denied this claim in reference to a 30 day period during which a customer is expected to report fraud subsequent to the bank posting the statement of activity.
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I went to my local credit union on XX/XX/XXXX to inquire about getting an auto loan. I was told that Im limited to a certain credit limit because Im considered a first time auto buyer. I responded that such information is not correct as I already paid off my first car loan with Santander Consumer USA. She claimed that such information isnt reflected on my credit report. I contacted Santander that very same day and was told that the report should be sent and updated in 3 business days. I also contacted XXXX the same day alerting them of the mistake and was told to allow Santander 3 days as claimed to submit the report. On XXXX XXXX XXXX I followed up again with XXXX and was told by XXXX that they havent received anything. She also advised that I should contact CFPB for assistance.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander # : XXXX is mistakenly reporting me late. I recently traded in my vehicle and a check was mailed to payoff Santander in full. I called and spoke with a representative at Santander and they confirmed they received the payoff check. Then suddenly, Santander lost the check. For this reason, I had the dealer cut out a NEW payoff check with a tracking number this time. Which was delivered before the 2nd late payment was due. Please remove the late payments Santander is reporting on me as it was a mistake on Santander. Please audit Santander 's phone calls to verify claim. Also, please see my attached supporting documents.
As you can see in my report I have no other late payments for quite some time and am able to provide all documents and info tracking trade in and dates.
|
| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Item 8 : - Account Name : XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Item 9 : - Account Name : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
Item 10 : - Account Name : XXXX XXXX XXXX.
- Inquiry Date : XX/XX/XXXX - Reason for Dispute : Because this specific hard inquiry is fraudulent and the result of an identity theft. According to the Fair Credit Act all fraudulent inquiries should be removed please.
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
THE FOLLOWING VOICEMAIL THAT IS ON MY PHONE REPEATEDLY EVERY SINGLE DAY, THIS COMPANY CALLS AT SEVERAL DIFFERENT TIMES OF THE DAY EVERYDAY. This is what the message says : Hello this is Chrysler capital please respond promptly by accessing your account online at my account.chryslercapital.com or by contacting any of our servicing department representatives at XXXX between the hours of XXXX XXXX XXXX XXXX XXXX central time Monday through Friday and XXXX XXXX XXXX XXXX XXXX central time on Saturday this is a recording I do not have ANY affiliation with this company. Maybe they are looking for the person who had this very same phone number that I now have. It is a mistake, and I want them to stop calling me! Ive blocked them, and they still leave messages on my voicemail everyday!
|
| 12/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I am writing to report a violation by Santander Bank in regards to the repossession of my vehicle. According to the Uniform Commercial Code ( UCC ) code, the bank is required to provide a post-sale letter to the debtor within 10 days of the sale of the repossessed property. However, in my case, I have not received such a letter from Santander Bank.
Furthermore, the repossession of my vehicle by Santander Bank was conducted in a manner that was not commercially reasonable, in violation of section 9-627 of the UCC code XXXX Specifically, the vehicle was repossessed shortly after a car accident, when it was not possible for me to make the required payments. This conduct was not in good faith and was not consistent with the standards of fair dealing, as required by the UCC code.
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| 05/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with the interest rate
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Web |
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1 ) After calculating the interest rate and payment plan, I should no longer owe ANY interest and have over paid by thousands in interest. The default loan was 6 years, and after 6 years of payments the balance was still too high. After verifying this information to be accurate, I reached out to Santander and they dismissed it.
They were apart of a lawsuit regarding this, and by the lawsuit requirements I shouldve qualified as I was deceived and shouldnt have even received a loan. Every other company rejected me at the time, however Santander took me under to commit this unfair, inhumane practice.
There is no reason on the XXXX year that I should owe ANY interest! I have paid $ XXXX interest for 6 years. With {$150.00} as a average thats over {$10000.00} in interest paid.
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| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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in accordance with the Fair Credit reporting act, They have violated my rights to privacy. 15 U.S. 1681 section 602 A. states I have the right to privacy.
15 U.S. C 1681 SECTION 604 A section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions if i know or have any reasonable cause to believe that the information is inaccurate.
15 U.S C 1681 A tilted definitions Rules of construction. That transactions are not included in the consumer report. Late payments are forms of transactions. So, by late payments reporting to my consumer report, it is actually a violation of A Fair Credit Reporting Act. Which also means if you have a late payment report to your consumer report it's a direct violation of the Fair Credit Reporting Act
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| 02/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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I was given a what I am to believe a predatory loan by a company who has just been convicted of giving out predatory loans to people who could not afford to pay the bills at the time, and I was unfortunately unable to pay my bills at the time because of XXXX I was given no hardship. Relief I was given no no no information on my loan after I was given the loan, I basically was given three pieces of paper assignment I walked out. I had no knowledge of who about my XXXX with or or anything else, I contacted the alarm company after they came and repossessed the car and they want me to pay them {$5000.00} and I can not pay that after getting contact with them. I try to see which ways we can work it out and theyre basically telling me that its my fault and I need to deal with it.
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| 02/26/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I was scammed on XX/XX/2022 by a fake real estate company that I sent a security deposit to rent an apartment in XXXX, FL. I sent {$2300.00} via XXXX through Santander and then never heard back from the company called XXXX XXXX XXXX XXXX. On that same day I called Santander and was told by the agent that they could already tell they the email address was a fraud. This leads to the obvious issue, if Santander knew that the email account was fraudulent, why did they let the transaction go through? This was clearly fraud and the bank knew it yet did nothing to protect me as a consumer. I find this unacceptable and misleading because bank protected me from Fraud. I have tried to resolve with no success. Please help me resolve with my bank so I can get my hard earned money back.
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| 06/18/2023 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American, Servicemember |
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On XX/XX/XXXX I deposited {$900.00} CASH into ATM machine, completed the transaction and drove away ( it was a drive-up ATM ). The following day ( XX/XX/XXXX ) I checked my balance and discovered SANTANDER had REVERSED my CASH transaction? I immediately called the XXXX XXXX XXXX phone number and got just that " there's glitch in the system and someone would look into it Tuesday XX/XX/XXXX ). I spoke to her supervisor ( she could speak and understand english, and got the same story. She had no idea if the ATM spit the cash out on the street or what it did. They have no idea WHY this happened and I could not get an answer. Except call back XX/XX/XXXX.
Santander is closing branches with employee 's to chop costs and increase profits at our expense, XXXX does the same thing.
|
| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
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Web |
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On XXXX, I sold my lease end XXXX XXXXXXXX XXXXXXXX XXXX back to original dealership XXXX XXXXXXXX in XXXX XXXX XXXX XXXX sent a check dated XXXX to Open XXXX XXXX XXXX AZ per instructions from Chrysler Capital ( I was told ). Check was cashed XXXX. Ever since that time, Chrysler Capital still has not shown vehicle lease as paid with XXXX balance. XXXX sent me copy of cancelled check which I have faxed three times and emailed twice to Chrysler Capital who states either haven't received or that payoff check must be in Chrysler Capital 's name. But I keep seeing items that Open Lease is one of the distributors of the Lease End for Chrysler. I do not know how to get Chrysler to resolve this matter. Please assist in finalizing this sale and show Chrysler Capital as paid off.
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| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/2022 I made a full car payment, in XX/XX/2022 made weekly payments, in XX/XX/2022 made a full payment for the rest of XXXX and some of XXXX, and now in XXXX my car company is reporting I havent been paying at all they are trying to send me two payments in one month and then charging me extra late fees and reporting to the credit bureau Im not making payments. My car payment is due on the XXXX of every month on the XXXX of the current month they will post the next months bill on the account as well. It was corrected once this year with XXXX because of Covid-19 this time XXXX will not let me dispute it again the information is damaging my credit and is incorrect. My car is fiananced through Santander Consumers and they are now harassing me at work and my employer.
|
| 08/20/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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On the early morning of XX/XX/22, I received an alert on my phone that there was a questionable charge from XXXX that morning for {$150.00}. I called Santander to tell them this was unauthorized charge. That same day, before I received my new debit card, XXXX more charges from XXXX happened on the new card!
I have submitted the claim 4 times and each time was denied stating XXXX gave them my address and a USPS tracking number that it came to my house. The USPS tracking number does not exist and I never received the product I apparently purchased.
XXXX is of no help stating this is the bank 's problem. Dispute id for XXXX is XXXX. Last claim number from Santander XXXX. Spoke with XXXX, a manager who's number is XXXX, however, that number goes right to strange message.
|
| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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Web |
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This complaint is in reference to the multiple state and federal violations and non compliant matters regarding the automobile loan contract between I, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Bank ) regarding the vehicle XXXX XXXXXXXX XXXX Non compliance of the Truth in Lending Act 15 USCA No. 1601 et seq- Federal Law/ violations of Regulation Z- Federal Reserve Regulation Violation of the United States 1605 ( c ) Determination of Finance Charge Violation of 12 CFR 226.4 ( a ) Finance Charge ( d ) written disclosure of Total Premium costs Non compliance of FCRA, an amendement of Truth in Lending Act ( TILA ) XXXX XXXX has failed to divulge accurate details for an extensive period of time that is still reported with the main credit bureaus inaccurate information
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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Santander USA Account # XXXX I have concerns in regards to what you are reporting on my credit report. The account has been charged off yet still reporting that it is open. The account paid off on XX/XX/2022 from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company Santander USA is showing Profit loss/write-off as remarks ( Payment after charge off/collection. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Also, see the attached Consumer Financial Protection Bureau Settles with Santander Consumer USA Inc. for Credit Reporting Violations in Connection with Its Auto Loans as evidence of violation.
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. SANTANDER CONSUMER XXXX was reporting inaccurate information on my credit report in violation of Federal Law. This was frustratingly unacceptable, in accordance with FCRA you must provide accurate information accordingly.
|
| 03/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
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Web |
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On XX/XX/2023 I applied for credit with XXXX XXXX XXXX XXXX was instructed to appear at the dealership on XX/XX/2023 and was denied. This is a violation of Equal Credit Opportunity Act which is codified in XXXXFR Part 1002, also a Violation of U.S.C 1681m. This is proof fraudulent activity ( unauthorized use credit card 15 U.S.C 1602p. ) The car loan applied for was for a XXXX XXXX XXXXXXXX XXXX Fully loaded. The dealership tried to impose on me a finance charge of {$15000.00} and according to 15 U.S.C 1605 Determination of Credit the application covers the whole transaction. My credit was ran without consent another 2 or 3 times. I was told to come back to the dealership even though I started the process with a preapproval letter for completion of the transaction.
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are Santander Consumer USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
As well as XXXX XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank.
Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
|
| 01/08/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Fees charged
|
|
Web |
Servicemember |
|
We took out a loan through our local community for home XXXXmprovements such as double paned windows. The loan was sold to Santandar bank many years ago.
We attempted to pay what we owed, but they are telling us there is a recording fee. From memory the recording fee was {$25.00}.
Santandar has given us at least three different recording fees. When they send us a monthly bill, we pay it, they deposit the check, and then cut us a check in the same amount. We have not deposited any of their checks to us.
Three weeks ago I asked a Santandar representative for a copy of the contract, they have not provided a copy of the contract.
I have contacted the Pennsylvania State Attorney General office and they have not heard back from Santandar. This is well over a month.
|
| 12/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I bought my car through XXXX and the banking company was Santander Consumer Usa. The dmvs for a full year couldnt find information on my car while santander was collecting payments from me. Satander decided to close my account without my knowledge but I registered my car in my name. The dmv said there wasnt any leinholder and gave me the full title in my name. Months later, santander is trying to repossess my car. XXXX knows nothing and santander wont talk to me about the situation. The first time the tow driver left because i was able to show him my title. This time, my car was reposessed at night and wasnt able to show them my pink slip. Now XXXX XXXX is still ignoring me.
All of the legal documents i own, including the title in my name only will be attached.
|
| 05/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am also reaching out to rectify an ongoing issue that I am facing, and needed assistance on this matter. Santander Consumer USA recently reported two late payments on my account for XXXX and XXXX of 2022. However, this information is completely inaccurate. In fact, I made several payments in advance back in XXXX, which covered my payments through XXXX. Additionally, it is concerning that this reporting was made almost a year later. I have been in contact with several representatives from Santander, who all acknowledge that there is an issue, but the credit department refuses to correct their decision. Today, I spoke with another representative who agreed that this is an inaccurate reporting, but unfortunately lacks the authority to make the necessary changes.
|
| 10/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The following Account is in violation of the FCRA.
Account name : SANTANDER CONSUMER USA This account is in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) The creditor reporting this inaccurate account failed to notate this account was in dispute within 30 days.
In accordance with the fair credit reporting at XXXXXXXX account, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Called the company serval times to let them know I was payed of if work and to use the program I was in to defer payments and no late fees be added. They lowered my payment and still put late fees on account. Santander Consumer Usa was sued for this in the past. I paid this account off and they still report late payments.
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under 04s.1 open end consumer credit plan as late for any purpose.
455
|
| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have a lease with Chrysler Capital and they are destroying my credit.
My payment information is incorrect. My name is mis-spelled. I have tried to correct it numerous times with the company. This has led to endless confusion.
They have reported that I have been delinquent on payments.
I am attaching an excerpt from my billing statement from XX/XX/2022, which was a month where they claim I was delinquent past 30 days. I can supply the full statement if necessary.
At the bottom, it shows that the total amount due as of that statement is {$0.00}. Yet that same month they reported me for being delinquent.
I've called them and spoken to senior managers who claim they " are not able to access my statements '' due to " system issues ''. Multiple times.
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, my and I traded in our vehicle and contacted Santander to request the payoff. We received the pay-off information and submitted the check. XXXX XXXX, a representative for Santander that works in the accounting department was informed that my wife and I would be sending the check to pay-off our vehicle loan.
The check was mailed on or about XX/XX/XXXX. Santander received our check and processed it. My wife and I attempted to purchase a vehicle three weeks ago and were informed that Santander reported the vehicle installment loan as a " charge-off! '' We have evidence supporting our claim that our check was processed and received by Santander. We are requesting that Santander remove the inaccurate reporting from our personal credit profile.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Company- Chystler Capital XXXX-late payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code & 1681a- Definition ; rules of construction ] U.S. Code ] US Law ] LII / Legal Information Institute 15 U.S Code & 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 } Prohibition ( A ) Reporting information with actualknowledge of errors 15 USC & 1681a 2 ( A ) ( i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report ' does not include- ( A ) subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Dear SANTANDER CONSUMER USA ; Still multiple inaccuracies ..... Impossible that this can be verified as accurate? How? it's reporting incomplete, inaccurate, misleading, and multiple inaccuracies. therefore it's in violation of sections 609 & 611 of FCRA. It's unverifiable. Delete now!!!. I also read several previous file lawsuit cases for this auto lender here ; for example where they were in infriction with the consumer laws and mistreating clients during the process. ( Case Anderson v. Santander Consumer USA et al FILED : XX/XX/XXXX XXXX ; Barber v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Blakely et al v. Santander Consumer USA , Inc . FILED : XX/XX/XXXX XXXX ; Wilson et al. v. Santander Consumer USA , Inc. FILED : XX/XX/XXXX XXXX ;
|
| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander CONSUMER USA has been reporting on my credit report to my knowledge since XXXX that I owe {$11000.00} after a repossession and I, XXXX XXXX XXXX don't have a signed agreement with Santander, paid XXXX XXXX of XXXX, had a GAP Ins. coverage that allowed Santander to be paid per the car dealership but GAP Ins. in XXXX, GA is reporting that they are the wrong GAP Ins. office and I should contact the dealership. I, XXXX XXXX XXXX, the consumer does not agree with the debt and have requested that GAP Ins. send the remaining {$39000.00} to me to have the vehicle replaced because the only right that Santander CONSUMER USA has to be paid is under GAP Ins. Santander CONSUMER USA has not legal right to pursue XXXX XXXX XXXX, consumer for any money.
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy...
SANTANDER XXXX Date Opened : XX/XX/2015 Balance : {$9500.00}
|
| 11/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I am a VICTIM of Identity Theft. Someone fraudulently purchased a vehicle, ordered credit cards, purchased furniture and took out loans in my name. I reported the fraudulent transactions to the credit bureaus, however, they are refusing to remove any negative information from my credit reports. I notified XXXX, XXXX & XXXX. I received forms to complete and NOTHING has been RESOLVED. These are the following accounts that are FRAUDULENT : XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX Under the FCRA 15 US Code 1681S-2 and 15 USC 1681 ( C ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). None of these negative accounts should be reported on my credit as OPEN accounts.
|
| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information.
I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history.
Please let me know if you would like any further revisions or if you have additional concerns.
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account.
( SANTANDER CONSUMER USA ) ( Account # XXXX ) ( opened on XXXX XXXX ) According to the FRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( SANTANDER CONSUMER USA ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence.
Thank You and I look forward to an instant resolution to this matter.
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
Santander financial did a write-off in XX/XX/ but Santander did two things ( write off ) And still showed the amount that was written off on my credit of {$8100.00} and one they realized it was about to Fall off Santander made s false brand new account showing {$8100.00} as if I had more than one account with them .. Ive been in contact several times with Santander and if only made things worse I believe this is a spiteful doing.
Also XXXX told me the only way they would clear me XXXX was to pay a settlement Which is what I did, so why is it Still Showing as if it wasnt paid. I also attempted to contact XXXX only to get belittled and told I should have paid it knowing that it was faulent and that number had NEVER BEEN USED OR ANY BILL RENDERED
|
| 10/20/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have spoken on the phone with this debtor a month ago and informed them that I have every intention on paying off the remaining debt over time, but I can't pay the entire amount in one lump sum because I am playing catch up with other bills at the time. I did verbally inform them that I can make chunk payments periodically to get the balance down until I'm in the position to pay off the remaining balance in one payment. However, I get calls from them every other day as if I wasn't already aware of the debt. This is a very abusive and aggressive tactic they are using to collect the debt and it's very aggravating. I am making strides towards paying off the balance but there is no need for this approach. Thanks, and hope to hear from you soon.
|
| 04/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
On XX/XX/XXXX, payment was sent to Santander and payment was not acknowledged or credited to account. On XX/XX/XXXX, another payment in full was sent to Santander and no credit to account. On XXXX XXXX, vehicle was repossessed and had to pay {$2500.00} to get it returned. Payment was sent again in XXXX for partial amount and also not credited to my account. In XX/XX/XXXX, attempted to make a payment via customer service representative and again, they continued to send me through their automated system qhen I was making a payment per agent. In XX/XX/XXXX, attempted to send a full payment via XXXX and received a letter that they received the XXXX and they did not want to give up the security interest in the vehicle. I need assistance, please.
|
| 12/22/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The account with Santander Consumer is reporting incorrectly. This was an auto loan and the loan was paid off in XXXX. The vehicle was traded in on XX/XX/2022 and the dealership paid off the loan. Santander reported that this was 30 days late and they received the full payoff. I contacted the company and disputed this and they referred me to the dealership. The first person stated that they had a computer problem and did not post the account for over 10 days. The next person referred me to the dealership and stated that they were not making the change. The loan is paid in full. I want this reported correctly that it is paid in full and to remove the 30 day late notice. This negative remark caused my credit score to go down over XXXX points!
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Greetings my name is XXXX XXXX My Only Social Security number is XXXX My Address is XXXX XXXX XXXX XXXX XXXX VA XXXX.
I am self-employed, I have a driving school. I train people how to drive. My credit is like around XXXX or it should be around XXXX or more with the 3 Credit beurres, XXXX, XXXX, and XXXX. But for some reasons each time there is information that is lowering on my credit appears not mind. it lowers my credit report for home buying.
It refuses me credit most of the time. I got denied for credit cards and auto loans and home buying. I do not know what to do. it is a complication I have it is keeping me behind and not so much of credit I disserve more credit. please help with this matte email Guide me.
thank you.
XXXX XXXX
|
| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
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I explained to Santander Consumer USA that through an audit that I was requesting that they will find out ; 1 ) My application was manipulated. 2 ) I would like to see it. 3 ) The car sale was grossly inflated. 4 ) My credit score at the time was close to 700 and there was no need for me to even be affiliated with Santander. 5 ) I did not agree to a {$560.00} car payment. The salesperson said it wasn't the final paperwork. At the time I was XXXX and by myself and believed that I was taken advantage of and was not aware that Santander was picked for my finance and what they represented. Santander Consumer USA repossessed the car and resold it making money. There is a balance of {$7800.00} that they continue to report charged-off monthly.
|
| 06/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
United States vs Santander Consumer USA My complaint is in reference to the class action lawsuit that was filed by the attorney general and several states, and which I was a part of the lawsuit and was awarded a check however, Santander made an agreement to remove all bad marks from Credit in reference to former consumers as it follows they are continuously holding me liable for a bad loan that was in litigation and they were found guilty of predatory loans to consumers who were at risk for default or repossession. I have contacted the attorney general in the district of Columbia and I was responded to. They also reached out to Santander to no avail they have not remove this remark from my credit report. And its been charged off 1099 IRS
|
| 06/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a credit alert that my credit was pulled. I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XX/XX/2023 XXXX. Chrysler Capital XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/2023 XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX. XXXX XXXX XX/XX/2023 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
|
| 11/15/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
I filed the complaint in XXXX. Santander responded but didnt address my issue. My complaint was closed but not resolved.
During the modification process, Santander failed to keep in contact with me and didnt explain all my options. When I was able to reach someone I was given inaccurate information which miss-leaded me. I was instructed to sign a modification that was more expansive than what was available at the time. I was advised that the rate will get adjusted later if I request it separately. When I made the request, I was told that since I signed into a program, no changes were available. Santander apologized for the lack of communication, but didnt do anything to assist me with reducing my rate and payment to an affordable level.
|
| 01/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I have been in dispute with Santander Consumer USA Holdings and its subsidiaries concerning an unvalidated loan agreement. As they continue to report negatively to the credit reporting agencies after multiple Cease and Desist attempts that I have sent, including the last on XXXX I have simply asked for a complete audit trail so that I may inspect the account details for myself. An audit trail consists of, but is not limited to, all ledgers, transactions, contracts and details concerning this account number, as provided by the assigned XXXX of my account with some sort of proof of accountability such as a notarized copy. They continue to ignore my requests, demands and refuse to validate the account details despite defaming my character.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance to the fair credit reporting act this creditor as violate my rights. Under 15USC 1681 section 602 clearly states I have the right to privacy. 15USC 1681 section 604 section 2 it also states that a consumer report agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on an account under an open consumer credit plan as late for any purpose.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/06/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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XXXX weeks ago, I went into the bank with my mom asking for a bank statement of my frozen account from the fraud account, and XXXX from the Santandar and XXXX, New Jersey, cut and copied and paste to a word document instead of giving me an official bank statement that I asked for And in my profile on my Santander app, it has the ladies address in it in XXXX, Pennsylvania on the account for that bank statement so he chose not to print out the legit statement because it already had that address on it and that is not OK. XXXX dealing with this since XXXX Ive XXXX to borrow money from my family Because of this I want this issue fixed and I want {$10000.00} added to my return for all of this stress and anxiety that they have put me through
|
| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
It has come to my knowledge that this loan company has been doing fraud within my account. Multiple information is incorrect and I have notified the company so that they understand that they are garnishing my credit. It is reported on my credit report that my last payment was for {$340.00} in XX/XX/XXXX. XXXX, that I have a remaining balance of {$10000.00}, that my payments were $ XXXX monthly and that the terms are 74 months. The months reviewed are also off. On XXXX it shows XXXX, on XXXX, it shows XXXX I also noticed that there has been an increase in the XXXX XXXX on XX/XX/XXXX it was {$6700.00}. Today, XX/XX/XXXX, it shows {$7100.00} May I also add that my balance seemed to decrease slowly every month however, I made no payments.
|
| 03/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Consumer USA XXXX XXXX XXXX, XXXX XXXX TX XXXX is STILL inaccurately reporting account information on my credit report.
Under 15 USC 1681 ( a ) ( i ) I have the right to have erroneous, inaccurate information deleted from my credit report!
On my XXXX report dated XX/XX/23 Santander has the account as charged off.
Then they should not be reporting an open balance. As you can see from my paperwork presented to you there is an open balance of {$8000.00}!
SECONDLY, THEY HAVE A CHARGE OFF AMOUNT LISTED AS {$8900.00}. THIS IS DIFFERENT THAN THEIR OWN BALANCE AMOUNT OF {$8000.00}!
This account needs to be deleted from my credit report!
I have contacted them several times. But no results have come from these communications!
|
| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
BEFORE COVID 19 I HAVE ALSO BEEN INFORMED THAT I AM A VICTIM OF IDENTITY THEFT IN WHICH SANTANDER CONSUMER U XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX REPORTING A NEGATIVE BALANCE OF {$22000.00} AUTO LOAN THAT IS NOT ME AND THE XXXX DATA BREACH ALSO CONFIRMED I WAS VICTIMIZED. AND TO FILE A CLAIM, US DEPT. OF EDUCATION HAS A SCHOOL LOAN THAT DOES NOT BELONG TO ME WITH A BALANCE OF {$12000.00} XXXX XXXX XXXX IS REPORTING A BALANCE OF {$460.00} THAT DOES NOT BELONG TO ME.
PER TITLE 15 SUBSECTION 1628 A THROUGH Z FCRA I AM A VICTIM OF IDENTITY THEFT AND TO PLEASE REMOVE THESE NEGATIVE ITEMS AND INQUIRIES BECAUSE MY CREDIT REPUTATION HAS BEEN DAMAGED AND CAUSING ME GRIEF TO NOT BE ABLE TO OBTAIN ANY FORM OF CREDIT IN MY NAME.
|
| 07/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have recently seen a significant reduciton in income due to loss of employment since earlier this year. I have been able to maintain regular payments on my account except 1 extension granted to me for XX/XX/2023. I recently accepted a new position, and started a couple of weeks ago, but still find myself behind and anticipate another 2 months before I am caught back up and able to continue to make the payments. I have been a long time customer/borrower of Chrysler Capital and had a previous loan that was paid off after several years. I called in for assistance and was offered NO options, other than offered to document my inability to pay the account. Please help put me in contact with someone that actually can assist! Thank you!
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander Consumer Has been furnishing inaccurate and illegal Information on my consumer report this company has furnished inaccurate information to my credit reports this company is in Violation of section 623 ( a ) ( 4 ) ; 15 U.S.C 1681s 29 ( a ) ( 4 ) furnishing inaccurate and illegal information this account has been disputed 3x this account has not been properly investigated if this account is not removed from my credit reports for NEGLIGENCE within 30 days of this Notice I will be moving forward with counsel in a lawsuit for civil liability and Punitive Damages and this account has also reached its statute of limitation to still furnish this inaccurate illegal information. I will be attaching documents to support my claims.
|
| 01/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
The list down below has violated my Federally Protect it consumer rights to privacy and Confidentiality under 15 USC 1681. and would like these items removed off of my credit report immediately. 1.Santander consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/17/2023 |
Yes |
- Debt or credit management
- Debt settlement
|
- Didn't provide services promised
|
|
Web |
Older American |
|
I purchased a vehicle from XXXX and I paid it off the first month, then about a month later I received a letter saying I overpaid {$100.00}. Chrysler Credit then included a debit card that said it was loaded with that amount. I activated the account and when I went to the gas station I went in the store as required. The attendant tried every different way to use it but it didn't work. I just want a check sent to me with that amount {$100.00}. I never wanted a debt card and at the end of the year they are going to charge me {$3.00} per month. I don't know if this is a scam or not, or they are trying to take advantage of seniors. I see nothing on their website where I can tell them about this problem. Please cancel this debt card
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
near the end of XXXX XXXX XXXX i did my own investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate item with Santander consumer USA account.
so i decided to send Santander consumer USA a letter stating that the account is showing and still reporting negative on my account. and that in accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under, 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681u ( 5 ) these accounts are in violation of not reporting 100 % accurate.
XXXX send a letter saying their record show that i have a total balance of XXXX. However, we are willing to accept only XXXX to settle my account in full.
|
| 09/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I, XXXX XXXX XXXX, am XXXX and hold superior title and ownership over my name XXXX XXXX XXXX. I rebuke and reject Santander Consumer USAs promissory note and claim of ownership over my name XXXX XXXX XXXX. I command Santander Consumer USA with the account number XXXX to remove their debt immediately from my credit profile. I am XXXX and the federal Fair Credit Reporting Act ( FCRA ) promotes the equity, whiteness, and fairness in order for the Santander Consumer USAs debt to be free from my credit profile. The attached documents is evidence I hold superior title and ownership over my name XXXX XXXX XXXX and that Santander Consumer USA has no standing at law against my superior title and ownership over my name XXXX XXXX XXXX.
|
| 05/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I received a loan for the purchase of a boat in XXXX from XXXX XXXX, a division of Santander USA. I paid the loan in full in XXXX of XXXX.
The boat was documented with the Department of Homeland SecurityXXXX XXXX and did not have a state title.
The boat was sold in XXXX of this year. When I requested the documentation/title be changed with the XXXX XXXX to the new owner I found that there was an open lien with XXXX XXXX as trustee servicer for XXXX XXXX. The bank has sent a lien release to the XXXX XXXX but has not included the legal description of the person signing the lien release. Because of the lacking legal description the XXXX XXXX will not accept the lien release and I am unable to transfer title to the new owner.
|
| 09/02/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hi, I need to open a chargeback request for 5 transactions made with my debit card ending in XXXX. The shop never provided the merchandise, and also never gave an tracking or delivery information, and never answered the emails or several phone calls.
XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXXXXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX it was a XXXX XXXXXXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX. It was a XXXX XXXX XXXX, the expected delivery date was XX/XX/XXXX XXXX XXXX
|
| 03/24/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American |
|
Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XXXX .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said Santander was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XXXX XXXX I got a taped call asking me to press on .Another firm named XXXX called again representing Santander Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe Santander any money This is harassment or a scam
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am leasing a car from Santander consumer USA, During COVID I lost my job so my payments became harder to make on time, I contacted Santander to change my payment days to match with my paydays and I was also charged more interest. I try and keep track of my bills but feel like these payments and interest being added is robbery and I wish to have it discharged. Also all late payments legally are not to be submitted and they were and have hugely impacted my credit report making it impossible to get any type of debt consolidations to help pay down or discharge my lease payment altogether. I want to know what Santander 's privacy and consent protocols are and want all late payments removed from my credit report immediately.
|
| 10/27/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023 my balance was {$350.00} plus a past due balance of {$270.00} The bill is generated every XXXX day of the month with a due date on the XXXX. I then made a payment for {$150.00} through the automated line. When I called today for updating my current balance, and making another payment, the automated system said I owed more than {$800.00}. They payment from yesterday, which has already cleared my bank, has been added instead of deducted from the balance. I spoke to employee number XXXX, XXXX, and she told me I owed for the month of XXXX now. She also spoke over me and would not listen or make any attempt to resolve the balance at all. I was also told my fees are {$50.00} per month if not paid on the due date.
|
| 11/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I received my loan through Santander consumer USA back in XXXX of XXXX.
My husband lost his job back in the middle of XXXX spoke to Santander about payment arrangement had payment arrangement set was making monthly payments my last payment was XXXX XXXX XXXX they closed my account XXXX XXXX XXXX have not received a phone call email or any kind of statements or bills in the mail from them since then my car got repossessed last night and I was informed that they reopened my account and put a repossession into effect without my knowledge. I also was under the understanding that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I can not get anyone to give me any kind of information on how to resolve this.
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to SANTANDER BK XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Upon checking with the furnisher Chrysler Capital it appears there are several inaccuracies reporting on my credit reports between the bureaus.
The inaccuracies are as follows : The date opened shows XX/XX/XXXX. However on 2 of the bureaus it is reporting XX/XX/XXXX ( I had not even inquired at this time ) The date last active do not match up as well The date of last payment shows XX/XX/XXXX on two bureaus and XX/XX/XXXX ( Which is correct? ) XXXX of XXXX XXXX bureaus are reporting 30 days late and one is reporting ok XX/XX/XXXX bureaus are reporting ok and one is reporting 30 days late XX/XX/XXXX XXXX bureaus report 30 days late one reports ok XXXX of XXXX 2 bureaus report 60 days late one reports 30 days late
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA.
I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
|
| 02/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
I purchased a new boat in XXXX with the loan eventually being serviced by Santander USA-account number XXXX. The loan was paid in full in XXXX of XXXX. Santander never filed a satisfaction of lien. I recently attempted to sell the boat and after multiple calls was able to get Santander to file a lien satisfaction however they filed it with the state of Florida. Since my boat was a documented vessel it is illegal for me to have a state title- I can only have a title through the XXXX XXXX XXXX XXXX I have been trying to get Santander USA to file the proper release with the XXXX XXXX I even hired a boat document company to fill out the proper forms and sent them to Santander XXXX They are still refusing to comply.
|
| 02/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
Upon reviewing my contracts, obligations, and rights as a natural person operating in commerce, I observed that there are multiple violations present which invalidates my contract pursuant 12 CFR 1026.3 named XXXX in XXXX.
Per the congressional findings of Truth In Lending Act, " The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit ''.
It is appropriate for me to assume that the salesman that assisted me with the purchase of my XXXX XXXX XXXX VIN # : XXXX at XXXX XXXX XXXX XXXX intentionally withheld pertinent information to complete the sales.
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX, XX/XX/2023. I never applied for credit, especially with XXXX XXXX.
XXXX XXXX, XX/XX/2023. These, I assume, came with car shopping as a co-signer, I didn't know they were going to submit credit applications to other banks.
SANTANDER CONSUMER USA, XX/XX/2023. Also, I assume these were from car shopping ; however, they never mailed a reason as to why and I never approved of them running it XXXX XXXX XXXX, XX/XX/XXXX, and XX/XX/2023. I applied for a credit card but didn't know they would leave a hard inquiry on my credit report.
XXXX XXXX XX/XX/2023. Just went in to look around for a car, but never purchased it from there. Also never gave consent to run a credit application because we didn't need to.
|
| 07/01/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with balance transfer
|
|
Web |
|
|
We received a debit card from Chrysler Capital ( managed by XXXX XXXX XXXX ) in regards to a vehicle we sold. It came as a debit card. We attempted to transfer it to our bank account and it showed pending. It went back to the card instead of transferring. We tried to use the card since we have made multiple attempts to contact them via phone and email to no avail but it comes back as expired ( We initiated the transfer prior to the card expiring ). When I log onto the account, the money is still there.
We just want the money due us and we really are disappointed that we were sent a debit card as opposed to a check. We also we like to be able to speak to someone via XXXX XXXX to fix the issue.
Please help.
|
| 11/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I told the credit reporting agency XXXX XXXX that Santander Chrysler was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan.
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to XXXX XXXX XXXXXXXX or individuals with less that perfect credit scores.
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed
|
| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I rightfully paid Santander consumer USA using a Bill of Exchange in accordance with the uniform commercial code. It was initially accepted. I have proof that it was accepted through my statements and a letter from Santander Consumer USA showing the account was XXXX out and then a few weeks later they reversed the payment. Next I started receiving harassing phone calls and a lot of correspondences through the mail. I am suspicious that my information has been compromised in a recent report that I put in with the Federal Trade Commission concerning my identity. There was inaccurate reportings on my credit report numerous times recently from Santander Consumer USA after receiving more harassing phone calls.
|
| 03/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I submitted a complaint on XX/XX/XXXXXXXX and your company got this information on complaint XXXX ( Included here ).
ON XXXX you responded with " Company responded '' and " Closed with explanation '' Santander sent a letter, ( included here as well ), stating that they have NO ACCOUNT with my name on it! And they want VIN number, billing statement, contract etc. to verify IF THEY EVEN have an account under my name.
I have given them my social, name and address as I have no VIN, NO contract etc because this is not my account!
Would you please have them DELETE THIS ACCOUNT from all credit bureaus including XXXX, XXXX and XXXX PLEASE!
How can you report this on my credit when you do not know who I am!
|
| 06/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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Auto loan through Santander Consumer USA XXXX. Received letter indicating Santander Consumer USA employee inappropriately accessed and used my personal information for their own personal use by sending emails from their employee email account to a personal email account XXXX XXXX This is a data breach, inappropriate, and a violation of my consumer rights. I didnt not authorize any employee to access my personal information for their own personal use. I have several auto and credit card queries on my credit report. This is a major data breach and Violation per the FDCPA and CFPB. I will be seeking compensation by law suit for inappropriately handling my auto finance customer account personal information.
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| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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I was Financed through Santander for a vehicle by way of XXXX XXXX in XXXX. I've had an Involuntary repo in XXXX through Santander. I was told by Santander, that if I released the vehicle, they would sale at auction & potentially could be pro-rated a paycheck after the sale of the vehicle via the auction. Santander has potentially sold the vehicle at auction and has yet to notify me, & the balance is still reporting negatively to all three credit bureaus. I have also contacted my GAP insurance provider ( XXXX XXXX & XXXX ) who I still have a premium & contract with to cover the cost & claim due to loss. I believe this balance should be taken off my report due to being Factually Inaccurate. - Thank You
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| 02/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Older American |
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XXXX XXXX XXXX filed XX/XX/XXXX. XXXX XXXX included. XXXX XXXX.
XX/XX/XXXX XXXX XXXX.
XX/XX/XXXX XXXX XXXX XXXX XXXX issued.
XXXX picked up by lender.
Letter dated XX/XX/XXXX received claiming debt was written off XX/XX/XXXX and amount may be taxable.
XX/XX/XXXX IRS form 1099-C received for {$65000.00}.
XX/XX/XXXX called Santander and told them this was an old debt that had been discharged in XXXX XXXX and gave them the case number. They said they would look into it and I was instructed to call them back in 2 days for their decision.
Called back XX/XX/XXXX. Gave Santander the information again. They told me to email copies of the letters they had sent and they told me to call again in 5 days.
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| 02/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
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Web |
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Santander. via Chrysler Capitol. I bought a XXXX for XXXX. I put a cash down payment of XXXX. I was told by XXXX who found me the loan, that the minimum loan amount was XXXX. The XXXX dollar loan cost XXXX plus an additional early pay off fee.Santander charged me 14.73 % without me having employment. Chrysler Capitol would not disclose the extra fee I incurred by paying the loan off early. Chrylsler Capitol customer service told me to go re read all payments and add it up. That I had to pay the full amount of interest no matter how quick I paid back my loan. I was not informed of these terms.I did not get any compensation from the Santander lawsuit for sub prime lending practices or preditory lending.
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| 10/18/2022 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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To whom it may concern, I am writing you today as an aggrieved man. I am not sure this is discrimination, but it sure feels like it. I XXXX XXXX XXXX have attempted to open a checking account online with XXXX BANK to no avail. I am consistently told via a message my application can not be approved. I get no explanation, nor do I receive any correspondence as to why. There was a fraudulent account opened in my name back in 2013. However, after I disputed, filed a police report and this account was investigated. I was found not liable for any balances accrued. This is the only reason I can think of as to why XXXX BANK is consistently not approving my applications for a checking and savings account.
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| 09/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
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Web |
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I had an auto accident in my vehicle, which was totaled. My main insurance paid the majority of auto loan off in the amount of {$11000.00}. in XXXX of 2021 and I had GAP Insurance for the remaining portion of loan, interest, etc. XXXX is the company that carried the GAP insurance when I purchased the vehicle and SanTander XXXX XXXX was to provide them with the remaining amount of outstanding balance of {$2500.00}. I am still being harassed by Santander XXXX XXXX, where they are telling me that GAP Insurance doesn't pay for any interest on loan, etc. and that I still owe their company roughly {$1600.00}. This discrepancy has been hitting my credit report all these months for absolutely no reason.
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| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have disputed with Chrysler Capital regarding their false reporting to the credit bureaus. On XX/XX/XXXX, I disputed with them regarding a 30 day late payment for XX/XX/XXXX and they updated to XX/XX/XXXX, which was false. On XX/XX/XXXX, I disputed again the 30 day late payment for XX/XX/XXXX and they updated it to XX/XX/XXXX. On XX/XX/XXXX, I disputed with them regarding their false reporting to the credit bureau. They then updated the 30 day late to XX/XX/XXXX. This is beginning to become a game with Chrysler Capital. Inaccurate reporting to credit bureaus. I need them to be investigated for inaccuracies and false reporting. No one is investigating this matter. I need assistance, thank you.
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| 09/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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|
Web |
Servicemember |
|
This is my 4th complaint against Santander for predatory lending and billing practices. Santander continues to create fees to this long and makes it impossible to pay the loan off and receive our title. We have paid this loan in full and continue to have fees added to this loan. The original loan was to be paid off in XX/XX/2021. We were then told that we had 9 extensions. We have paid all 9 extensions. Once we paid all 9 extensions, we were told we still had principle. Now they are not applying all payments to the supposed principle but are still taking interest and increasing the payoff amount. In XXXX the payoff was XXXX now the payoff is XXXX. Santander continues to add more and more fees.
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| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Santander shared my personal information in error, stemming from their failure to adhere to the contractual obligation of specifying the entities with whom they will share this information. Furthermore, despite being informed through multiple channels about the inaccuracies related to the address on my account, Santander recently updated the account with non-affiliate entities that possess my information. This action directly contravenes my consumer rights, which were already being violated by the sharing of my information.
I have enclosed a formal letter along with the original credit application in this complaint, and it is of utmost importance that these documents are carefully reviewed.
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| 05/22/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
|
Last year, Santander Bank failed to pay my taxes from escrow. After going through that experience, with the assistance of the CFPB, they sent me a letter from their Executive Office saying this would not happen again and the CFPB complaint was closed.
This year, the same thing happened. They did not pay from escrow, I received penalties and interest from the Town of XXXX, and had to pay the taxes from my own funds.
I faxed the receipt from the Town of XXXX on XX/XX/XXXX to Santander. I have the cover letter and receipt, which I sent to Santander. I am submitting that information as an attachment to my complaint.
Santander has still not refunded my escrow for the tax that I already paid.
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| 06/07/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
|
Had a lease that expired with XXXX and bought it outright had paid with autopay When I starting paying the bank missed the first 2 payments received a notice and paid it immediately thru auto pay and thought I had set up auto pay again missed the next 5 payments but never received a mail notification, email or phone call although they told me they tried to call but never left a message.had to take XXXX from the bank to buy the car back. Now it has ruined my credit. If the had sent a letter or left a call I would have paid it immediately.. I feel that before they repossess someone vehicle they should be required to leave a message or if sending a notice it should be required to be signed for
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/2022 I went to a XXXX XXXX XXXXXXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
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| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I sent an Federal Trade Commission identity theft affidavit to Santander Consumer USA in regards to a fraudulent account. The promissory note held by Santander was not signed by me and was not proven to be signed by me. Reporting accounts after receiving proof the account is fraudulent is a violation of 15 USC 1681-c2 ( a ). Santander Consumer USA is also in violation of of 15 USC 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of anycommunicationeffected by the mails or telegram that indicates that thedebtcollector is in thedebtcollection business or that thecommunicationrelates to the collection of adebt ; by the letter that was sent to me account number XXXX
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| 02/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
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Web |
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The CARES Act and Credit Reports states.
If you made an arrangement wit a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX and 120 days after the COVID-19 national emergencies ends.
SANTANDER CONSUMER USA reporting late payments XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX to my credit report however, I had followed all steps of making valid and on time payments to my account. My account is current via the cares act with this company during those periods however they are still reporting inaccurately to all three of the national credit agencies. I was current before and after that time.
|
| 05/02/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
Older American, Servicemember |
|
Santander Consumer USA, delayed processing a payment on my XXXX XXXX by holding the check for 18 days. I issued a stop payment on the check and then Santander Consumer USA proceeded to process the check as a Direct Debit. Then to make matters worse, Santander Consumer USA then failed to tell me the payment had already been processed leading me to make an ACH payment to cover the lost check ( which they had in their possession ). I went to Santander Consumer USA, ask about a lost check, and was told to wait four days before taking any action. I did, still no payment processed, posted, or returned by Post Office. Other issues have arisen including taking some 5 months to receive a title.
|
| 01/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I am disputing the amount on my statement you send me every month. How can I pay a positive amount? The credit balance is in a positive amount. I am fully aware that you send me a statement every month and this statement is my dividend check from SANTANDER CONSUMER USA for the interest I have earned, as a result of SANTANDER CONSUMER USA trading my securities on the exchange. This has been done without my knowledge and constitutes that SANTANDER CONSUMER USA trustee listed above is committing SECURITIES FRAUD against me which is an automatic federal offense under H.R. 5037 2018, Pub.
L. 116 Stat. 804 [ Codified as 18 U.S. Code 1348. ] Without prejudice or recourse Done in Good Faith
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| 05/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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Santander financed a car that I purchased in XX/XX/XXXX. The maturity date was XX/XX/XXXX. I had problems paying for the car in XXXX because of XXXX. The Government asked for the bank to give an extension to customers so the bank gave 6-month extensions. In a phone conversation concluded that the last payment will be in XX/XX/XXXX. I made my last payment and I received a bill for over {$6000.00} I don't know what that is for. I thought that was a mistake I asked to correct the mistake, they said it was my bill. The date on the statement was XX/XX/XXXX. I struggled to pay for that car I am retired now I have no way to pay for the car now. I want my title because payment is completed.
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| 09/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I believe. I have been frauded by Santander Consumer USA on my credit report they have the account XXXX closed and then they have it paid off I have disputed this company on several occasions because the information on my credit report is incorrect also the dates are inaccurate. On one report they have date opened on XXXX and on another report they have date opened on XXXX XXXX and on one report they have this account as a collection account and on another report, they have the status closed for {$6200.00} as a written off charge. Please remove this off of my credit report because this company is using my information for their financial gains from my credit report.
Thank You Much.
|
| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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I received letters regarding denial of credit applications which I don't recognize, on XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ( Crysler capital ). These financial companies are recorded in my credit reports but the letters indicate that someone used my identity for a fraudulent credit application.
On XXXX XXXX, the dealer, XXXX XXXX XXXX has confirmed that they submitted the applications to total 8 auto finance companies and these two finance companies ( XXXX and Crysler ) are part of 8 companies.
Any application submitted by or via the dealer, XXXX XXXX XXXX, is fraudulent, and I was never involved any of the transaction or associated communication. Therefore, I'm not liable.
|
| 03/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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Dear Santander Consumer/ Whom ever it may concern, Requst I'm requesting a copy of the credit application submitted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 and copies of any other documents regarding this matter, including denial letter.
Reason On XX/XX/2022 I was mislead to believe that a credit application and contract was only going to be done by one bank ( not Santander Consumer ) and the car was new. It is my believe this contract was used as a red herring for them to say the second contract with the right bank ( XXXX XXXX XXXX XXXX ) which listed the car as new was an error. Inclose is a copy of both contracts from both banks and title.
|
| 09/01/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
To my knowledge consumer protection laws are designed to safeguard consumers from unfair practices and undue financial burden. It has come to my attention that my auto loan agreement may be subject to violations of these laws. These things consist of " Lack of Full Disclosure '' and " Financial Hardship. On XX/XX/2023 I sent them a letter expressing these concerns and requesting that the debt be XXXX and that all my obligations to the debt be dismissed. That have not sent me anything in return or let me know that they had received my letter. They called me and the co-owner XXXX times a day a piece for the past XXXX days which I know is considered illegal according to certain laws.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XX/XX/XXXX, i had received a wrongful derogatory notice from XXXX insurance company. it was about missed payment which never i was not aware of .So i have decided to pull out the full report of my credit .I have found so many unrecognized inquiries which i never requested.Those inquiries are from the following companies : 1-SANTADER CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I do not have any affiliation with those companies mentioned above and i want their fraudulent inquiries to be removed in my credit report.
Thank you for understanding and your assistance.
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| 05/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been more than 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
|
| 01/25/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello I have reached out to the credit bureau regarding account # XXXX for this account has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Santander also had a {$550.00} million dollar lawsuit against them stating, Santander will resolve allegations that the bank violated consumer protection laws by putting subprime borrowers into loans that carried a high probability of default.
I need this removed from my credit report immediately.
This account has also been on my report for more than 7 years.
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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Account XXXX XXXX Santander Consumer loan I bought my vehicle in XXXX of XXXX, After repossession of my vehicle 2 yrs. later there was a 33 state Predatory lending class action settlement against Santander Consumer USA where Santander agreed to relive all defaulted loans to help repair credit of those individuals. So, after several attempts to get the account removed from my credit profile it remains on my credit report. Santander settle the case early XXXX according to the agreement, my debt is to be forgiven and the account status because of what the agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have never received a bill from a leased car I turned into Chrysler Capital. They have no reported data since XXXX. I turned this car in and the balance was paid. I disputed the report through XXXX and they put a current status on my credit Report showing " Late '' without my knowledge or contacting me. Report Number XXXX Date Generated XX/XX/XXXX On the response to the Dispute it shows " Paid, Closed '' on XX/XX/XXXX.
I would like Chrysler Capital to give me details on what they are billing me for back to XXXX when they reported it was " Paid, Closed ''. Why have they not sent me a bill in the past? I would like this removed from my credit report due to inaccurate reporting.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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I am writing to express my ongoing concern regarding an inaccurate late payment entry on my credit report, which HAS NOT BEEN CORRECTED DESPITE MULTIPLE REQUEST FOR RESOLUTION. This matter pertains to an alleged late payment of {$3200.00} on XXXX XXXX as reported by CHRYSLER CAPITAL with account # XXXX. I wish to emphasize that this late payment entry is in error, and I have provided substantial evidence demonstrating my consistent, on-time payments to CHRYSLER CAPITAL XXXX Despite my previous communications and the supporting documentation I have submitted, the inaccurate late payment entry persists on my credit report. Please have this account REPAIRED : CHRYSLER CAPITAL XXXX
|
| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander consumer USA, allowed me to have a trail payment plan for my car payment in XXXX for the XXXX pandemic, in the last year XXXX - XXXX the car was paid off, the account showed as current and XXXX balance, when I verified my credit file in XXXX I discovered Santander Consumer USA XXXX reported my account NEGATIVE in all years XXXX late payments, I did a dispute with them and I sent letter to XXXX and XXXX to delete all the negative late payments and they never removed them, my account still remain Negative late payments 60 days late and 30 days late, please investigate this issue for me because of this matter I cant rent any place to live my life right now is miserable.
|
| 11/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
Servicemember |
|
On or about XXXX the XXXX 2023 my truck was repossessed but I was still paying on my truck and thought everything was fine so I called the loan company and they said I was 104 days late and they still took the money for truck payments but before all this happened my wife passed away so I called the loan company ( Santander ) and asked them to defer the 3 months of payments to the end of my contract and I thought they did but now I dont think they ever deferred those payments and as a result my truck got repossessed my wife passed XXXX so the payments were supposed to be XXXX, XXXX and XXXX that got deferred until the end of my contract they repossessed my truck with no notice
|
| 08/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I made a loan payment and ended up refinancing the same day so I called to have the payment reversed. Santander said I called 6 minutes too late and they couldn't reverse it. The car was paid in full on XX/XX/XXXX. I have contacted Santander several times since then about my refund for the over payment. They never responded so I called and they said they are holding my money for another month. I am a XXXX XXXX XXXX XXXX XXXX, I desperately need this money to keep my lights on-theyre disconnecting on Monday. I explained this and Santander said they can request a release but no guarantee. I'm starving, my kids are starving, and they are holding my money illegally.
|
| 11/15/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Older American |
|
I am XXXX XXXX and my wife is XXXX XXXX XXXX XXXX XXXX. We got a loan from Santander Bank in XX/XX/XXXX to buy a new car XXXX XXXX and the interest rate is XXXX XXXX. We asked to decreased the interest rate the last month ( XX/XX/XXXX ) because we permanently have received offers from another banks the offer to us interests rate that are between XXXX and XXXX XXXX annual. Santander Bank never answered our claim and we are paying a high interest rate ( XXXX XXXX ), and we would like to get the interest rate offers other banks. For us do not have sense to pay higher interest rates knowing that the interest rates are below average of Santander Bank. Please do something about it.
|
| 09/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Web |
|
|
XXXX ) I contacted Santander in XX/XX/2019 because I could not make payment due to working in the XXXX field, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX ) I reached out to Santander to ask for a courtesy deletion because I volunteered to have them redeem the vehicle 5 years ago in XXXX. They stated they do not give courtesy deletion, AND can not change the negative reporting remark but I have counselors who suggests Santander does or can do so.
XXXX ) Santander the vehicle but left a balance remaining, then sold the balance to debt buyer, who is also reporting the same balance. This is double damage and unfair credit reporting and it is illegal.
|
| 06/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I PARTICIPATED IN A CONSUMER CREDIT TRANSACTION NOT A LOAN PURSUANT TO 15 U.S. CODE 1602 ( I ). Take further notice that pursuant to 15 u.s. code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by the organization in direct violation of this law. The dealer ship in question accepted a Down payment of {$8000.00} violations 15 us code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction pursuant to q5 us code 1635b upon receipt of this revision I am not liable for my finance charge or any other charge.
|
| 02/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have called asking to have my santander checking account closed over the phone and they said they couldn't... I got a letter dated XXXX.
I'm not paying a XXXX monthly fee since they decided to change the terms and name on this " simply right " checking now. I don't use the account anyway and there is only XXXX cents in there...
They need to close the account immediately because I'm not paying XXXX to keep it open every month since I don't utilize it anyway...
Send a check to the address attached to this complaint for XXXX cents with a letter stated you closed the Checking account with debit card...
Checking ends in XXXX.
And the debit card ends in XXXX.
Thanks
|
| 02/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
My vehicle was repossessed during COVID and two months prior to my beginning to collect SSA retirement. The company ( Santander ) would not negotiate because, in their opinion, I did not have substantial income and would not be able to honor a future repayment plan. They did not offer to make any exceptions due to COVID and demanded I bring my payments current immediately. I had to move due to the pandemic, and I was laid off my job.
A few months prior to the repossession, I went to XXXX XXXX regarding debt relief. They made a {$7000.00} settlement arrangement with Santander, but Santander later said it could not be honored because the vehicle was still in my possession.
|
| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
My name is XXXX XXXX and I am completing this complaint without help of a third party or agency. I know my rights and I choose to assert them no matter how long ago this happened. This complaint is pointed toward Santander Consumer USA. All details and correspondence are attached to this complaint. The original consumer credit transaction happened on XX/XX/2019 Account # XXXX. Attachments are as followed - Copy of contract that show violations or false and misleading information - Copy of recent XXXX -Proof of down payment ( cash ) paid to XXXX XXXX on behalf of Santander USA -Debt collector letters sent to me- Full statement of my claim and list of violations and invoice.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I contacted Santander Bank on XX/XX/XXXX and spoke with agent about the late payment history on my mortgage account.
I was in forbearance in XX/XX/XXXX to XX/XX/XXXX due to Covid and being furloughed.
I paid all past payments that were in forbearance in XXXX of XXXX when i returned to work.
I was told by Santander the forbearance allowed my payments to be late due to being furloughed due to covid and would not reflect and ruin my credit report its being reported to XXXX XXXX that my account shows late payment. XXXX XXXX stated on XX/XX/XXXX that the information is correct.
My account should not reflect late payments.
Can you please help in getting this corrected?
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Pursuant 16 CFR 313.4 a company must provide an initial clear and conspicuous notice that accurately reflects the privacy policies and practices as well as an annual notice to consumers. I have not received an initial nor an annual notice from Santander. When I reach out to Santander for the information, I get no response.
Being that Santander has not provided myself with the required notices, Santander is not providing proper documents required allowing myself to opt out of having my personal information to be shared to a nonaffiliated third party pursuant 16 CFR 313.7.
Santander has provided my personal information to both XXXX and XXXX with out my written consent.
|
| 08/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, my wife and I financed a new vehicle through Chrysler Capital. Chrysler Capital did not deliver all required disclosures at the point of sale included our XXXX to XXXX. As a result, I made a misinformed decision by financing this vehicle on behalf of withheld disclosures. On XX/XX/XXXX, Chrysler Capital received my Notice to XXXX the retail installment contract that is now void. I informed them that I was no longer liable for payment and any form of adverse action such as negative credit reporting and/or repossession would serve as unlawful activity. Chrysler Capital has defaulted on their obligation to repay me for all money I have paid to them to date.
|
| 10/27/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am formally complaining against SANTANDER CONSUMER USA I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ).
I have contacted SANTANDER CONSUMER USA who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SANTANDER CONSUMER USA stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
|
| 04/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had a loan with Santander bank for a car that I got in XXXX of 2022. My car was deemed totaled mid XXXX of 2022. During the process of my insurance company paying for my totaled car, Santander bank continued to charge me and claims that I was 30 days late on one payment, and 60 days late on another payment which made my account show up as delinquent. My insurance company, XXXX, paid XXXX and my GAP insurance paid the remaining balance. But on Santanders end, my account still shows up as delinquent and that I owe them XXXX even though they have received the check from both my regular insurance and GAP insurance which is hindering me from being able to get a new car
|
| 07/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Santander Consumer repossessed my car after making {$25000.00} worth of payments. They stated that my balance was {$19000.00} after 4.5 years of payments at {$590.00} a month and did not make me aware of a fraudulent interest rate. They refused to allow me to get my car back from repossession unless I paid {$19000.00} in full. I was sent the most u professional collection email that stated they didnt want a partial payment, they wanted balance in full paid if I wanted my car. They have harassed me continuously with phone calls back to back all week long regarding collections. I need someone to PLEASE help me get this corrected. I am at a loss and now without a car.
|
| 06/17/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
It looks like I have had both Checking account as well as line of credit through Santander. Since I had forgotten about them both my Checking account had {$0.00} balance for a long time but instead of simply closing this account for XXXX balance on XX/XX/2023 Santander decided to withdraw {$50.00} from line of credit to go towards Overdraft protection fee.
So, My complaint is two fold. First is that Santander should have just closed account with XXXX balance rather than all of sudden withdrawing {$50.00} from line of credit. Second is whether this bank regularly does these type of things to their other customers as well and customers might not even know about it.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. SANTANDER CONSUMER USA claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.
Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.
|
| 07/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
Action were taken as scheduled. I was in a car accident with vehicle and come to find out, I was in a fraudulent situation. I was over charged for vehicle and insurance only covered book value and they are stating that I still have a bill and I'm not understanding why or how. People I brought car from business was shut down due to alot of fraudulent miss handling financial services. They are asking ne to open up a payment plan, but I don't think its necessary for a business that no longer up and running, plus they went to jail. The accident was XX/XX/XXXX and we are still dealing with case. This company is called Santander Comsumer USA, I'm not sure what bill is.
|
| 06/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I was sent a letter on XX/XX/2023 from CFPB advising I was identified that a former CFPB employee sent unauthorized emails to a personal email address. It contained information about my loan with Santander Consumer USA XX/XX/2023. Santander Consumer USA/Chrysler Capital advised they sent a letter XX/XX/2023 advising plan to sale property which I never received. This vehicle had many issues even when first purchased I have included complaints I filed with the state as XXXX agreed to a trade that they later became a dispute the dealership. I believe due to the vast amount of fraud committed in this agreement my property was illegally sold without my acknowledgment.
|
| 04/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
So every since I got my car with the bank Santander consumers theyve been charging my card and taking my money and then not applying it to my bill so then my bill is XXXX something dollars on top of that Im paying almost {$700.00} for a car thats having issues already. They are aware of them double charging me and they refused to refund me. So then they told me theyd just apply the money they took out my account to my future bills and now they are saying they lost the payment and that I had to pay XXXX dollars when they are already taking money out of my account, they say my bank reversed it but my bank did not reverse it. They even got on the phone with my bank.
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My name is XXXX XXXX.
I recently tried to dispute this to be taken off my credit because the address on my credit report arnt mine. SANTANDER CON- SUMER , USA has an account listed on my credit report with someone by the name of XXXX XXXX XXXX who I have no relations to, as the account being closed and having a total of {$13000.00}. This account says the address is in XXXXXXXX XXXX which dated back to 2018. Ive been living in XXXXXXXX XXXX for almost 10 years.This account is still hitting my credit just recently as of XX/XX/XXXX even though its stated as closed with someone elses name that isnt mine, someone elses address that isnt mine and the amount they owed.
|
| 09/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX is reporting on my personal credit file with ( XXXX XXXX credit reporting agency. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
XXXX XXXX Balance : {$5900.00}
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
On or About XX/XX/XXXX I XXXX XXXX did check my credit report and I noticed that an Auto Loan was opened in my name on or about XX/XX/XXXX by the XXXX Santander Consumer Usa and I XXXX XXXX did not authorize no auto loan to be put in my name so I contacted Santander Consumer Usa and asked them to verify this account because it was Fraud and I did not give anyone no permission to put a car in my name and how did XXXX get my information to open up an account in my name also I told them that I never went to no XXXX to register that car nor did I put any insurance on this car so they told me that It would be deleted but It is still showing up on my credit report
|
| 07/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
XX/XX/2023, I applied for auto financing online. XXXX XXXX XXXX Santander Consumer USA XXXX was the only lender that replied that I had been pre-approved for {$40000.00} auto financing. They told me to pick a XXXX dealer, which I picked the hometown dealer, XXXX XXXX. I communicated with a salesperson and told him I would be at the dealership on XX/XX/2023. I had chosen a vehicle within the pre-approved price range and we proceeded with the application. Many lenders ran my aplication and I was denied by every one of them, unless I was to put XXXX XXXX downpayment.
This amounts to numerous Federal Truth In Lending and Equal Credit Oportunity Act violations.
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I applied for a loan several months ago which was denied. Since then loan solicitors harass me 20 times per day. I usually hang up. I believe one of them used my info for fraudulent inquiries which I did Not authorize. This is the second time this has happened.
The 3 most recent occurred on XX/XX/23 from Santander Consumer, XXXX XXXX, and XXXX XXXX on XX/XX/23 there were 2 occurrences from XXXX XXXX, and XXXX XXXX I believe all 5 of these inquires are due to solicitors who are upset that I refuse their calls or hang up on them.
I am requesting all 5 be removed from my all of my reports and I would also like to file a fraud case pending an investigation
|
| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
since i took my loan out with Santander USA my payment due date has always been on the XXXX of each month. Either some time in XXXX or XXXX my due date was changed to thee XXXX of the month without my knowledge or approval and this has cause several late payments to be reported to my credit file. I did not sign anything and I did not agree to the due date change so how change they just change and then adversely affect my credit. This is a violation of the FCRA. I have heard and been a witness to many horror stories with Santander and this is unacceptable. According to my credit report I was reported 30 days last for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
|
| 08/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I entered into XXXX during XXXX - 18 Months. at the end I was told to start my regular payments on XX/XX/2021. I resumed making Payments I am in the time frame of 18 months to now move into deferral and my mortgage company is dragging their feet not to mention is now reporting that I have not made payments to credit bureau which is false reporting. They have dropped my XXXX credit score to below 500 due to their incorrect reporting. I have called 3 times a week to check on the paperwork which has not been completed only to be told it takes 30-60 Days, meanwhile I have made every mortgage payment for the past year on time. They are destroying my Credit.
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This account is a charged off account on my credit report. I do not have any knowledge of these accounts.
According to : 15 U.S.C 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S.C 1681s ( a ) ( 1 ) ( a ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 07/05/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I keep receiving debt collection calls and letters for a debt that was charged off and collected almost 20 years ago. Santander Consumer USA was the original creditor, who repossessed a vehicle and sold it at auction. The original creditor sold the vehicle at a price that covered the whole balance owed. The harassing debt collector is XXXX XXXX XXXX XXXX. I have contacted them and have tried several times to stop the harassing, but I am still getting harassed with calls and letters for debt from 20 years ago. XXXX XXXX XXXX XXXX is in violation of statute of limitations. I am considering filing a lawsuit against XXXX XXXX XXXX XXXX for harassment.
|
| 11/05/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
The Initial Payment agreement was switched at the lease agreement. They charged it as a charge off and commits that I cant get anything removed off my account even if I pay them. The credit report Put is a way to fraudulent steal money from me per 16 CFR 455 ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. Dealers may lie to a customer by saying a car is new when it has been used, or by labeling a vehicle as certified pre-owned, when no such endorsement was made by the manufacturer. In other cases, victims may have their down payments or trade-in vehicles misappropriated by the dealership.
|
| 10/19/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American, Servicemember |
|
My son was a longtime customer of Santander. We came to deposit {$30000.00} into his account and he wanted to add me, his mother, to his account as a joint owner. Bank rep and manager refused to provide this service to us " because I was born in former XXXX XXXX. '' Long time ago, in XXXX, plus we are both citizens of the USA for 30+ years and live in PA all of this time, my son served in the XXXX XXXX XXXX I am employed in financial institution for 20 years. This is a clear case of discrimination based on birthplace. After that my son closed all his accounts at the Santander bank. Very much upsetting case, not in best practice of US businesses.
|
| 04/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
Notice of Intent to Accelerate, dated XX/XX/2023, which advised me the account was in default and if not cured by XX/XX/2023, they would exercise our rights under the law or we would repossess the vehicle.
I was given this letter the thing is they can sell or give out my info to any 3rd party repossession company without my consent if they do if will be consider illegal I will sue for no more than XXXX XXXX for willful negligence. Payment has been sent for the late payments through a check when i got the bill statement in my mail a little later after XXXX XXXX. THIS IS MY LAST ATTEMPT to settle the inaccurate info reported to my credit report.
|
| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief and I demand that you remove these errors to correct my report immediately. I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my credit report or I shall proceed with involving my attorney! Someone used my information to purchase a vehicle and credit card in my name and I need the following removed from my credit report that's listed in the report.
|
| 08/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I have received multiple letters from XXXX XXXX and XXXX in attempts to collect an alleged debt where Santander is listed as the original creditor who sold the alleged debt to these companies. I need a copy of this vehicle loan agreement that I originally signed sent to me within 21 days of the receipt of this complaint. I also need the date that the alleged debt was written off by Santander sent to me within 21 days of the receipt of this complaint. Note : No information included in this complaint shall be used in any attempt to collect a debt. Should my information be used as such, I shall lawfully pursue Santander for breaching my privacy.
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
Chrysler Capital was my lien holder for my XXXX XXXX XXXX XXXX XXXX I paid on time for 16 months from XX/XX/XXXX to XX/XX/XXXX when the car was sold, and it never once was reported onto my credit report. Their website clearly states that they will report credit information to all 3 bureaus but they never once did. I called them every other month as I was paying on time to ask about this and they kept saying they will do it it but never still ever did. Later when selling my car after an accident the loan still hasnt ever been reported or shown on my credit report. Please help ; I got this car to build my credit and I need your help. Thank you
|
| 02/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XXXX 2023 I went to Dealer XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, to obtain extension of my own credit on a XXXX XXXX XXXX with Last XXXX vin # XXXX with MSRP of {$42000.00}. The dealer run my credit with XXXX credit Report , where company Santander Consumer Usa , INC. got a copy of my credit and I was denied for credit. No one from dealership give a paper or answer why I got denied, at this moment of my complaint, on XXXX XXXX 2023, neither someone from dealer or Santander Consumer Usa , INC had contact me. I had attached evidence that my credit was pulled by Santander Consumer Usa , INC. XXXX credit report.
|
| 11/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
During Covid I as like many could not make my car payment, I always talked to Santanders, they deferred my payments and put they to the back of my loan. In XXXX XXXXA drunk driver totaled my car. my gap insurance said had i made these payments .there would be no need for them to cover my car because my insurance company paid Santanders XXXX on XX/XX/XXXX XXXX let the balance of XXXX .But this balance is due to Covid. They said I have to pay that .my Car is totaled .I should not have to pay them this, because 1. My car is totaled,2. because it was Covid a national pandemic. Had that never happed. I would be getting money back. Please help me
|
| 03/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Chrysler Capital is reporting an account on my report that is not accurate. The account is for XXXX, and the terms were for 80 months. The account shows five months of harmful activity, but I never had an account for this amount with Chrysler credit, and they can not provide proof that such an account exists. I asked ten times for them to remove this account, but they have not done it, so I am complaining about this inaccurate account. The account number is partially XXXX, the amount is XXXX, and the date opened was XXXX. Please have this company remove this account. I did not sign any contracts, and no such paperwork supports this amount.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have contacted SANTANDER XXXX several times to get my credit reporting corrected. This was a loan for a vehicle that my ex wife kept possession of, and also took responsibility of the loan. Per marital settlement. She had stopped paying on the loan without my knowledge and all of my info was removed from the account address, phone numbers, and email address was all removed from the loan without my knowledge, and no way of knowing this. I have escalated all the way up SANTANDER XXXX and they said they would not do anything to assist. I was told they did not care about the documentation or anything. This has been going on since XX/XX/2022.
|
| 09/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American, Servicemember |
|
Spoke with Santander on several occasions about a payment extension. I made payments to keep up with my loan and then out of the blue no paperwork or anything from the bank they came and picked it up while I was visiting my son in another state. I live 15 hrs away. They repo man from XXXX XXXX who was hired by XXXX was very ignorant and was screaming obscenities at me and my family threatening to kick our faces in and attempted to drive away after he told my son and daughter in law they could get what they needed out of the truck. This was all done without a court order. The guy couldnt even give us a reason as to why they picked it up.
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
After looking at my credit report I noticed that there was a negative entry on my report that has stemmed from Identity Theft and I am not responsible for. The date the account was opened was in XXXX of XXXX and the fraudulent amount {$18000.00} that I am not responsible for. I have read and understand my rights under sections 605B and section 609. Furthermore my information was passed on to third party consumer agencies that is a violation of my federal consumer rights. I have not reached out to the company however I did file a police report and a IdentityTheft report and mailed them to all three major credit bureaus fraud department.
|
| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I tried to open an account with my local credit union and was told that I'm in the XXXX, I pulled my XXXX report and it shows that santander bank if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a santander bank in my area, the closest santander bank near me is more than 100 miles away, I need validation of the debt, I need the originla contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my XXXX report or I will file a suit.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are : XXXX XXXX
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
I entered a dealership in search of a car. I started the loan application after choosing a vehicle by providing the general information needed to buy a car. Without my permission, my credit was checked during the procedure, and as a result, an inquiry was recorded on my report. The fact that there was no requirement for a down payment on the automobile confused me as well. Yet when the deal was done, I understood that because I hadn't made a down payment, my interest rate would be greater than that of other auto buyers in my neighborhood. My credit history and report, nevertheless, would contend that my interest rate ought to be lower.
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Santander Consumer USA did not furnish me with a form XXXX after the alleged debt of {$12000.00} was charged off from an auto finance account in my name. It is to my understanding that once a creditor charges off an account, that they receive a tax deduction for the charge off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as charge offs, which misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies.
|
| 12/29/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I had contacted the lender asking for them to remove me from the loan almost a year ago and they said they would get in contact with me that they would have too get it approved.. so here I am waiting and never heard anything from them I have tried everything asking to dispute it from my credit. I was young and XXXX at one time in my life I had a ex the other person on the account we split up and she took the car and jumped town I have not heard anything from her if I was in contact with the car I would have kept making on time payments, I em XXXX XXXX XXXX now and have XXXX kids Im happily married and would like too move on from this.
|
| 09/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX XXXX continues to misreport to multiple credit agencies affecting my ability to take out and secure other loans, home rental leases and is creating barriers financially for me which is now causing me mental anguish and Fatigue from trying to mediate with them directly. Theyve kept me on hold for very long amounts of time, circled and repeated the same information when I tried to complain to them. Theres no way to work with them and my account is paid IN FULL AND THEY HAVE ME REPORTED AS BAD DEBT. I am a full time healthcare worker, I dont have time to go back and forth, this is tedious and is really affecting my way of life.
|
| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I been having trouble lately with the payments I asked could they please service the loan make payments lower or more time and I been misinformed but they only have me at fault for the matter I made a payment of {$520.00} and i spoke to executive and they have different explanations of why this occurred it was repossessed the next morning after I sent this payment they leave me with no option they say but to pay the XXXX the retrieve my car this is unfair to do this to anybody trying to work thru these times I'm hard working man who is being mistreated I applore u to please but a stop to this aggressive behavior yours truly XXXX XXXX
|
| 09/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I received the response from Chrysler Capital and this account was, in fact, discharged in a XXXX XXXX Bankruptcy XX/XX/2021, The notes on my report should read as such. Account discharged in XXXX XXXX bankruptcy. Why is this such a long drawn-out process? XXXX is the only bureau that has not and will not update this information. XXXX XXXX XXXX was notified as well. The Bankruptcy Court did not receive any returned mail or email. How can the response say the account was not included in bankruptcy when I have court documents showing that it was? It's no wonder Santander was sued for deceptive practices. Chrysler Capital is even worse.
|
| 08/10/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Hello, My name is XXXX XXXX XXXX. I am a consumer who currently resides at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX, in XXXX XXXX XXXX I am writing this because I, XXXX XXXX XXXX, Consumer did not give XXXX XXXX XXXX XXXX written instructions or consent to communicate with I, XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
This information is true and correct to the best of my knowledge.
|
| 07/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
My car was stolen from my proporty and then recovered by the police. They gave me 30 days to reclaim it and santandair bank reposesed the car within the 30 days before i could and tried to make me pay to get it back. Then they sold it off and now they want the full original amount for the loan to be paid by me. Do i need to pay this back if they have the car? I never missed a payment until they took it from me. I come out woth nothing. This seems like a scam. My credit score has never been the same. This was during covid as well this is part of my hardship during covid i just dont see why i should have to pay for a car i dont have.
|
| 04/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
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 : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : SANTANDER CONSUMER USA Account Number : XXXX Reason : I don't recognize this account
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I believe Santander/Chrysler not only falsely reported a chargeback to the credit bureau but as well as violated my consumer laws right chapter 15 U.S. Code 6802 OBLIGATIONS WITH RESPECT TO DISCLOSURE OF PERSONAL INFORMATION TO OPT OUT ( b ) of said reporting of Personel information to non affiliated third parties.
They did not exercise part ( b ) and part ( c ) neither the option of letting the consumer make the decision of third party reporting as well as letting consumer know the options to not disclose personal information. and I XXXX XXXX opt out of said non affiliated third party reports. Never authorized to it in beginning
|
| 01/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently filed a dispute against Santander Consumer USA due to my repossession still being on my credit report. They instead closed the account when it should have been removed and when I called XXXX and asked if it were still closed they told me no. They were recently involved in a class action lawsuit due to them being in violation of the XXXX Code which my account was involved in and there was a judgement passed that if there is any derogatory information including late payments and repossessions must be removed from my credit report. So I would like for this account to be removed from my credit report effective immediately.
|
| 06/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
On XX/XX/XXXX I purchased a XXXX XXXX mirage and got financing with santander auto on XX/XX/XXXX the car was totaled no fault of mine I was stopped in traffic. My insurance paid off 100 % of the vehicle and told me I wasn't responsible for my deductible because I wasn't at fault. Now santander is trying to get {$1200.00} from me when my insurance company told me they paid 100 % of the car. I still have no vehicle I'm still under doctor care and not working they have been told all this and do not care now my credit is completely screwed thanks to them and they will not remove it from my credit or drop the money I Do not owe them.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This lender is reporting a fraudulent account to my credit profile. I have reached out to the company for removal of the fraudulent auto loan account and nothing has been done to resolve this issue. I have reached out for over 150 days. The account does not belong to me and is inaccurate. Please have this company remove the account completely from my personal credit report. By law my credit report must be accurate at all times or the information that is deemed to be fraudulent needs to be permanently removed from the report on all my credit reports. Failure to remove the account to will result in me taking legal action lawsuit
|
| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I have been running late on some of my payments XXXX Santander I calling me on Sundays telling me they are a debt collector I asked them to stop calling me on Sundays and they still continue to call I have never missed a payment with them its been late several times but not more then 29 days late they still continue to harass me. I called them to see if I can skip a payment however they said the loan is not old enough I also asked if we can change my due date and the would not help with that either. They are also charging me over 20 percent interest on my auto loan and late fees if the car payment is not paid on the due date.
|
| 09/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In accordance with the Fair Credit Reporting Act, Equifax has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
|
| 05/04/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
XX/XX/2023 santandander usa keeps calling me at all times of the night, XXXX they will threaten me even though i do payment plans the next agent who calls does not honor it, they tell me that if i do not make a payment they will garnish my checks XX/XX/2023 they called my place of work told my boss that they want to pull from my paycheck XXXX spoke with agent XXXX XXXX explained my situation.
homeless an living in car that everytime i get money I put it on my account.
she offered to do a payment plan.
i paid, but still keep getting calls at all hours and at work, they call 5 to 6 times a day, not including my work calls
|
| 10/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
We had car loan with Santander XXXX XXXX since XXXX XXXX.
On XX/XX/XXXX loan account was totaly paid and closed.
Loan we paid from XXXX XXXX bank account by auto payee. {$600.00} monthly.
After the loan account was closed still 3 times autopayee went through : XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} XX/XX/XXXX - {$600.00} We called to XXXX XXXX bank. They filled up the claim and denied next day because they don't see any issues there. Money went to Santander loan account. Then we call to Santander- they don't see money in our loan account because it's closed. No more loan. Where is money? Where they dissappear?
|
| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander is continuing to furnish inaccurate information to the credit bureaus that they were ordered to remove last year pursuant to the settlement agreement with the attorney general 's office. my credit report currently reflects an auto loan as charged off opened XX/XX/2017 and closed XX/XX/2017 balance {$13000.00} Santander continues to ignore their responsibility in this matter and has maintained this disputed account as accurate. they are violating both Federal and state laws. I demand accountability and action to resolve this matter as I am being harmed as a direct result of their failure to comply with the law.
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
Servicemember |
|
Santanders Bank I have a car loan with this bank I have been paying XXXX dollars a month for this car loan the amount I thought of the loan was XXXX for total for vehicle then now it XXXX the car isnt worth that amount it way over the price of the vehicle worth! XXXX XXXX XXXX dont isnt even cost that much even new! I am so upset with this loan I am also upset that the loan amount is not going down and the payment being so high XXXX a month is what I pay to this bank! I have been paying this loan since XXXX isnt dropping the amount on the loan! Why? If there anything you can do I would appreciate it sincerely XXXX XXXX
|
| 11/02/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I sign for a car for a family member in 2015 with Santander.. the car was sent back without my con sent.. Santander fail to reach out to me.. its on my credit report.. I contact them numerous of time for a year and half and was told that XXXX XXXX the person sign with me told them Santander to not contact me.. Santander told me three different occasions that they were sending me information via email and mail.. I have yet to receive it.. they have been ignoring for months now.. it need the car off my credit because they fail to communicate with me.. its hinder me from buying a house..I did everything right on my end..
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I got my car through a Santander Loan on XX/XX/2016. My car was repossessed and resold and purchased by another lender. It says on my credit report the account was closed on XXXX XXXX. As I look on my credit report I see an open account for the amount of {$15000.00} opened XXXX XXXX through XXXX XXXX XXXX with the Original credit name of ( Santander Consumer USA ). Santander was in a class action lawsuit and it was a judgment passed that any derogatory information including late payments or repossessions must be removed from all credit reports and since it is still on my credit report they are violating the UCC code.
|
| 11/14/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I recently submitted a complaint request with your organization and attempts to seek further input and and/or resolve regarding my loss mitigation application. In addition to such I had sought your support in finding out the status as this company continues to suggest that they do not have nor can they verify any application on file. This is concerning as XXXX made repeated attempts to find out the status and this company has not provided a response to such. During my last complaint the company provided a reply about another line of action however, failed to respond to my inquiry regarding my mitigation application.
|
| 07/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Every so often I get phone calls about an auto loan I have had with Santander Consumer and that I owe the company the remaining balance for a default loan that went into repossession. I have reached out in the past to Santander as well as today as far as this and they stated then as well as now that the account was closed and sold off to a 3rd party. I went to court in 2016 in regards to the past due balance and currently making payments still with the same company so I am unsure as to why I am getting these calls still but I have been getting these calls every few years since 2016 and this being processed in court.
|
| 11/17/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
My checking and savings accounts were looted and over a XXXX XXXX XXXX dollars is missing. The bank puts me through exhaustive processes for each disputed transaction and there are about a hundred transactions. The bank is Santander XXXX XXXXXXXX XXXX I am elderly and in bad health and can not take the exhaustive hours at the bank. The bank agreed to allow my son access to the account to resolve the issues once he had power of attorney. However once the power of attorney documents were presented to the bank they refused to honor the deal. The bank is attempting to sweep this under the rug.
Please help, XXXX XXXX
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have sent several letters about the alleged auto loan from Santander. They have been ignoring me for months. I asked them to prove and provide detail information that they gave me a auto loan. This was in fact a credit sale transaction, they have closed the account out and written it off as a charge off. Somehow they are still trying to collect from me. This information is NOT accurate and is causing me harm on my credit report. Only true and factual information should be reported on someone's credit report. I am not able to use my credit to purchase another auto due to this reporting on my credit file.
Thanks
|
| 08/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I called try talking to them and see if they can refinance the car and they denied, it was to expensive for a car payment I was never late on a payment, but my XXXX XXXX so I called and said the car is going to be at this location if ya want to get it back I never had a struggle with them and I comply to make it easy for them. The car payment was really HIGH.
After I signed up with some company so they can take care of that situation witch they did. I have proof I payed it off. I wanted to ask if it can be taken off my credit history so when I try to apply for a loan that wont come up, or say I did paid it off.
|
| 12/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
See the following bank transaction, XX/XX/XXXX Payment to Santander Consumer Usa - {$1000.00} - {$580.00} Santander Bank of which I have no banking relationship with withdrew {$1000.00} from my bank account at XXXX account routing number XXXX account number XXXX.
I called Santander Bank on XX/XX/XXXX, and spoke to :, Santander Bank XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No information on XXXX XXXX XXXX XXXX confirmed Santander Bank has no information on XXXX XXXX As such I have no account number or address to access at Santander I am now - {$580.00} inn my checking account and can not pay my bills
|
| 02/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
We were on automatic payments from Santander for our auto loan. Without our knowledge, the company stopped the automatic payment for the last payment that was due. They did not send us a notice for this, nor did they send us a bill and never sent us a collection notice. We only found out when we tried applying for a mortgage and this came up in our credit. We called the company and apparently they only tried calling us which did not seem legitimate as we receive hundreds of spam/scam calls. The company is being very difficult about removing this from my credit history even though it is completely not my fault.
|
| 06/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
i have a auto loan with Santander. i had been in the hospital for four months. i called Santander approximately 4 times to make arrangements to make installment payments on my car note to bring them up to date. They agreed to take weekly payments of {$240.00}, which were automatically deducted from my account, which is current.
Because I was in the hospital they allowed me to pay {$240.00} per week to play catchup to my car payments and made them current.
So i would like them to retract the late notices on my credit report because they knew i was in the hospital and they agreed to make payment arragements.
|
| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander auto loan was paid as agreed and is reporting as a charge off. Multiple inconsistency between all 3 reports. Called Santander and requested my information about my account. Still haven't received it in the mail. Was denied online access to my previous account. Was denied to be emailed my information.
Disputed thru credit bureaus- updated/ verified information is still inconsistent.
Please delete this account from my credit report or update as paid as agreed. Inaccurate/ incomplete reporting is damaging my credit score.
Also Santander is under litigation for unfair and deceptive lending practices.
|
| 10/16/2022 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
On XX/XX/XXXX Santander Bank issued me a late payment fee for my Line of Credit Account which I owed to the bank a minimum of {$3000.00} I has paid the bank in principal to pay them off after our banking relationship had been terminated in XXXX. Santander said the regular payment was due a sum of {$49.00} and on top of that late fee {$20.00} on top of that {$69.00} I paid over {$220.00} and up till XX/XX/XXXX of XXXX when it closed I demand Santander to reimburse me the {$200.00} and the {$69.00} for the late payment in XX/XX/XXXX Santander paid me a refund of XXXX cent yes XXXX cents its in their data banks.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
According to the FCRA 15 USC 1681 section 604 A section 2 : prohibits the reporting of any experiences and or transactions between XXXX XXXXXXXX and XXXX XXXX the law states that this type of information is excluded from my consumer report and can not be reported to any Consumer Reporting Agency. I would like the aforementioned information to be deleted pursuant to the law mentioned in the above sentence all late payments, and or the account, the Item that is being marked as late and being furnished to a consumer reporting agency. The law is clearly to come into compliance regarding this Account information.
|
| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Older American |
|
Good Morning..my dears at Consumer Financial Protection Bureau.. greeting XXXX I'm the beneficiary of the judgement at the Superior Court XXXX XXXXXXXX XXXX XXXX XXXX State of Arizona XXXX XXXX Due since XXXX XXXX, on XX/XX/XXXXXXXX I notified ( SANTANDER Consumer USA ) customer Service That they need to send me Title my vehicle CA license Plate No. XXXX, since It has been paid off, also They need to pay me the rest of my judgement XXXX or I will Put liens hold on their banks Branches and subsidiaries..
Please inform CEO of SANTANDER Consumer USA And have them to send me My vehicle title CA XXXXthank you
|
| 11/28/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
XX/XX/XXXX and XXXX XXXX XXXX violating my rights gave me false information and they took my vehicle I lost my job now I'm homeless because of them taking my vehicle even though I did a 1099 a and it was accepted here are a few codes that they violated 15 USC 1692 is one violation violation 15 Usc1611 15usc 6802 false information about the sum of the vehicle and then they gave my information to a third party when they repoed my vehicle and they're still calling my phone harassing me and they lied about the sum of the vehicle because they never added in the warranty for 5 years the car insurance for 5 years
|
| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
CFPB XXXX XXXX XXXX XXXX XXXX XXXX, This is a follow up complaint to complaint # - XXXX ( attached ).
I am requesting this car loan - installment loan - I had with you : - account # XXXX - start date XX/XX/XXXX - paid off XX/XX/XXXX - {$16000.00} original balance - Always paid on time, and paid off Accurately reflect on my XXXX credit report.
It currently shows on XXXX and XXXX- it is not showing on XXXX.
Attached to this complaint are : - my drivers license - my social security card - my mailing address - my previous CFPB complaint- how it shows on XXXX + XXXX ( with all of those account details )
|
| 05/12/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I have repeatedly tried to access my Santander account online. I have had this account for almost 20 years. I got locked out of the online access and the bank will not allow me to access the account unless I go to a branch. The nearest branch is over a XXXX miles from where I now live. Santander is now charging me monthly fees for not using my account.
The bank representatives I spoke to on the phone verified my identity repeatedly, yet they will not reset my password to let me access my account.
Attached are eMails with Santander representatives as well a recent notice of fees charged to my account.
|
| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This complaint is a notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct XXXX ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report.
To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Bureau : XXXX XXXX Name : SANTANDER CONSUMER USA Inquiry Date : XX/XX/2023 Reason : I don't recognize this inquiry
|
| 09/22/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Older American |
|
I obtained a Santander Ultimate Cash Back credit card in the XXXX of XXXX. It promises 3 % on all " qualified '' purchases for the first year ( until XX/XX/XXXX in my case ). Two issues. First I have only received 1.5 % cash back since I have had the card. Second, I have attempted to find out whether any of my very ordinary purchases have not been qualified. I have looked everywhere on the Ultimate Cash Back website to find the definition of qualified and have not found one. Neither have I found the definition of " qualified '' in the paper work I was given upon signing up for the subject credit card.
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
XX/XX/XXXX {$31000.00} The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX bank XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of XXXX, and canceled United States stamps.
( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. )
|
| 09/27/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted company via Certified mail on XX/XX/2022 and XXXX/XXXX/220 to ask for validation of debt trying to be collected by this company.
15 usc 1685i ( 5 ) removal of inaccurate invalidated/innacurate credit information " debt has not been validated, see attached letter dated XX/XX/2022 and letter dated XX/XX/2022 '' 15 usc 1681e ( B ) compliance procedures maximum possible accuracy " debt is not reported accurately across XXXX bureaus SEE DATE OPENED, NUMBER OF MONTHS ( TERMS ), HIGH CREDIT, LAST REPORTED, LAST ACTIVE, DATE OFF LAST PAYMENT.
15 USC 1681 602A states I have the right to privacy.
|
| 08/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
When I took a car out from Santander consumer USA, my payments were really high. I never missed a car payment all I wanted was to refinance my loan but they denied it. They said after 1 year my interest will go down which it never did. So I ask them what was the right way or was a good way to deal with this. They said its best to do a ( Volunteer Reposes ) witch I did but they ended up putting it in my credit history that I got a ( Reposes ) which was a lie and now its AFFECTING me.All I want it off my credit history record. Why because I paid it off and I have the evidence. And trunk to start over.
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
SANTANDER CONSUMER USA Set direct deposit with Santander Consumer USA through XXXX XXXX XXXX.
Santander Consumer USA didn't mail statements or notices to Address. They never reach the customer. We spoke to XXXX XXXX to insure the direct deposit was there.
Contact the Post Office and the carrier the statement weren't send to the address ' Santander is local in XXXX Texas I have a land line I live at my resident for 40 years and Bank at XXXX for 35 years I get my mail for my other bills etc.
I wasn't told of any problems through call mail or other Poor communication on the part of Santander
|
| 02/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I bought a used XXXX XXXX XXXX on XX/XX/XXXX. The percentage rate is 20.32 %. My finance charges XXXX. The total of payments is XXXX. The rate was unfair and {$7200.00} is still owed on the car. The entire deal was discriminatory and they took advantage of someone who needed a car to get to work. We have reached out to Santander on several different occasions, they say there is nothing they can do to help me. I asked them about refinancing the loan, and they stated they don't do refinancing. I called again this morning asking for an itemization of my payments. Can you please assist me with this?
|
| 02/11/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem when attempting to purchase vehicle at the end of the lease
|
|
Web |
|
|
My original lease was with a different company that sold my lease to another company. The information listed was incorrect. It was joint lease where I was listed as the co-borrower. The other company that the lease was sold to had my car repossessed. I was unable to gather any information on the vehicle due to them listing me as the co-borrower when I was the original borrower. I did not sign a contract with the company whom had bought my contract from the previous company. I do not believe this should remain on my credit which has made it impossible for me to attempt to get another car lease.
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have disputed with this creditor and I have requested bank transitions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has took over 30 days to update my account and preform an investigation. The creditor has illegally reaged my date late active XXXX. XXXX is missing date last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported XX/XX/XXXX even though I sent my dispute XX/XX/XXXX. Today is XX/XX/XXXX I have not received an update of a reinvestigation from the creditor.
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2023. I received a notification via the XXXX app stating that my credit report was obtained. I am very upset, because I have been working on improving my credit score. These inquiries are going to have a HUGE NEGATIVE impact on my credit score. You need to fix this immediately or i will seek legal assistance. I need these companies to tell me why they ran hard inquiries on my credit. I did not give these companies the authorization to run my credit. Who gave you the authorization to run my credit? Please provide me with the documents proving you had my authorization to run my credit
|
| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
We had an insurance claim due to an accident and the insurance company issued a check to my name and the lenders name together. The lender told us to send them the check so they endorse and send back to the mechanic shop to pay for the repairs that were completed and they are coming up with new reasons everyday why they cant send it back. We called the insurance company and they told us that the check has been cashed and we called the lender with no luck. The mechanic shop is threatening to sue us now and we dont know what to do Our lender is Santander consumer USA Our insurance is XXXX XXXX
|
| 08/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander was involved in a class action lawsuit/ settlement where any derogatory information should be removed from consumer reports due to unfair treatment of consumers. I have contacted Santander multiple times and received no response, they are also in violation of the XXXX code. Santander website shows anyone who received a loan between XXXX qualify for them to forgive the remaining balance on the loan. My credit report still shows a balance of XXXX owed to them. Please have this resolved and removed asap as this has been holding me back from moving forward with becoming a home owner.
|
| 11/08/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Older American |
|
I am cosigner on daughter 's loan. Chrysler Capital collection department is contacting me because they will not accept her last payment via autopay. Her pay off amount is {$3.00} different than her standard monthly payment. She is out of reach right now, and if she does not submit a manual payment, this loan will be put into default. When we sign for automated payment with Chrysler Capital, we expect *all payments* to be made automatically. This is how it works with all other car loans about which I'm familiar. This is a credit trap and it will impact both of our perfect credit standings.
|
| 07/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Purchase XXXX XXXX XXXX purchase at XXXX dealer in XXXX. Vehicle had check engine light after first 2 weeks. Original loan was XXXX. Couldn't register the vehicle so I stopped making payments so that the bank would come for said vehicle. I made an estimated payment of XXXX. Vehicle was repossed then sold for XXXX. Santander bank still want to get more money from me saying I still owe XXXX. Bank already made what the original loan and more. I know I owe them {$0.00}. Please help because Santander bank is a predatory loan bank, that preys on individuals with bad credit especially XXXX XXXX
|
| 11/07/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
We lost income during XXXX XXXX, not able to pay XXXX, receive forbidden Programm and same time apply for modification of loan, back in for, for more then XXXXwo years, we ask bank we want to make payment, but they insist to continue do modification, week ago we receive answer : we not able to achieve payment for you. XXXX option sell the house or send appeals, and we send appeals.
So if we want to pay they not allowed us make payment.
We feel XXXX bank rules very strange, we not understanding what they want to achieve.we want to pay we not want to loose our house, it sonly what we have
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
my credit report dropped 40points over a deliquency account that I have made an attempt to paid off already but Santander consumer usa wont take my legal instruments as payment. I demand to the late payment history, the deliquency account, and bad payment history removed asap from my credit report. I have sent a 1099a and a coupon that was sent to my home for wtv they said i owe yet santander keeps reporting innacurate info to my credit. I would attach them but i cant attach anything over 10mb. I attached however a copy of the template i sent to santander demanding to validate the debt.
|
| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have fraudulent inquiries on my XXXX credit profile. The inquiries have prevented me from obtaining credit and I need them removed immediately. The fraudulent inquiries are from a company called Santander on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. A company called XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX According to 15 usc 1681 section 602 A my privacy rights have been violated.
Also 15 usc 1681 section 604 states that the company transunion can not publish information on my account without my knowledge
|
| 12/27/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
Iam a customer of Santander bank. On the XXXX of each month the monthly HELOC payment is drawn from my checking account. This month the amount of {$620.00} was withdrawn a week early. I called the Help number and was informed that there was a general error that effected other customers and the payment will be reversed in 7-10 days.
I asked for the correction to be posted in 24 hours and was refused I asked for interest to be paid for the time the bank has use of my money and was refused I addition, on the XXXX of this month, in 3 days, the bank will again withdraw the monthly payment
|
| 06/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
When I started with Santander everything seemed fine until they started sending payments being sent back for random reasons. They would then wait to give me a courtesy call then charge me more for " interest ' and " late payment '' reasons. I then proceeded to let my parents know and we made the last payment with a different card and Santander tried it with them too. we have bank statements and receipts that show the payment was made but they continue with this. I called and warned them about it once before and they quickly dropped the price but have started their antics once again.
|
| 01/10/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
In XX/XX/2019 I requested Santander Bank to close my account. I was informed that my account will be closed shortly. Unfortunately, it recently became clear to me that Santander did not close the account until the account went negative by over {$1100.00}. And the entire negative balance is almost exclusively late fees and interest rate and overdraft fees that never would have incurred if Santander had closed the account as they promised to do.
For years since this, I have been unable to get a checking account anywhere in the United States and it has affected by economic mobility.
|
| 06/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act. This creditor has violated my rights, under 15 U.S.C. 1681 section 602. States I have the right to privacy.
15 U.S.C. 1681 section 604a section 2.
It also states in consumer reporting agency Can not furnish an account without my written instructions.
Under 15 U.S.C. 1666b. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as late for any purpose.
Please remove these late payments and update the account immediately, As you are in direct violation of the Fair Credit Reporting Act )
|
| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX with account # XXXX opened on XX/XX/XXXX 1681 ( b ) and a balance {$11000.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX 1681 ( b ) and a balance of {$2000.00}. This account was off and no longer owe money to this creditor but it's still showing a balance due.
XXXX XXXX XXXX with account # XXXX opened on XXXX and a balance of {$6200.00}. This account was charged off and no longer owe money to this creditor but it's still showing a balance due.
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
CFPB COMPLAINT : ( DESCRIPTION ) Santander Consumer USA XXXX XXXX wholly owned subsidary of Santander Consumer USA holdings Inc. As a Federally protected consumer, I am invoking the consumer laws and exercising all my full rights.
On XX/XX/2023, my vehicle was gone.Involved in taking my possession is Santander Consumer USA, Santander Consumer USA Holdings XXXX XXXX XXXX XXXX XXXX. No warnings, no notices filed prior to repo.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- ----
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over 2yrs before it was repossessed in XX/XX/XXXX and hit my credit just 3 months shy of the turn in date in XXXX. I requested all original documents from Chrysler Capital and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.
|
| 06/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The reasoning for this letter is to dispute account " XXXX '' from the creditor " Santander Consumer USA '' on all three bureaus, XXXX, XXXX, XXXX and cease and desist from their program entirely. I've attempted to remove the collection with the company and they were unable to provide the validation of debt with my signature.
In addition, the full account number does not report on my credit profile.This violates several codes under the FAIR DEBT COLLECTION ACT. This collection is inaccurate and is negatively impacting my credit profile, it needs to be removed immediately.
|
| 09/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I am trying to close my checking and savings accounts with Santander Bank. I requested they close the account on XX/XX/2023 and they sent me a confirmation email with a confirmation number ( XXXX ). I was told by the representative at the time that my request would be processed within 2 business days. It has since been 2 weeks and not only is my account still open, no funds in the checking account have been returned to me as I requested. On top of that, an additional monthly fee was charged on XXXX.
I have since tried to call back, however, they simply keep you on hold.
|
| 06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
This account is under litigation. Santander Consumer USA keeps calling about a debt of {$17000.00} I have no knowledge of. When I stated I have no knowledge of this transaction or why this was on my credit reports they still pursued the collection with unculicited phone calls after hours in a harassing manner. I finally decided to get to the bottom of this so I requested the original signed contract with a signature and loan terms so I could verify the source of this debt immediately and they refused to supply one at that time and it's been months since I first requested.
|
| 02/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. XXXX and XXXX are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range.
Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$0.00}
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am a victim of identity theft I have about 8 inquiries that I don't recognize on my credit reports. 6 or 7 on XX/XX/XXXX 2 on XX/XX/XXXX and XX/XX/XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
n accordance with the Fair Reporting act Santander acct # ending XXXX, SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. This creditor has reported to XXXX XXXX and XXXX
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on deaf ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior.
|
| 07/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I spoke with several different representatives regarding a gap refund from Santander Consumer Usa in XXXX of 2023. It has been a month now and I am still waiting on my refund. Every single time i call this company representative are telling me misinformation. Somehow my refund is a lot less than what they stated my refund would be initially. No one has ever called me back regarding the verdict of my gap refund. When i reached out on XX/XX/2023 the representative from Santander Consumer Usa told me to just keep waiting. I am extremely frustrated with this company!
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander consumer reported incorrect payment dates, payment amounts, incorrect billing errors and had two separate third party repossession companies breach the peace on private property.This financial institution failed to protect my privacy and personal information. Non judicial Illegal repossession in XX/XX/2023 and then XX/XX/2023. Violations cited : 15 USC 1666 ( b ), 15 USC 1666 ( d ), 15 USC 1691, 15 USC 1692, 15 USC 1692b, 15 USC 1692c, 15 USC 1692d, 15 USC 1692e, 15 USC 1692f, Gramm-Leach-Bliley Act. XXXX XXXX Police department report number : XXXX.
|
| 11/03/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
|
|
I have a personal loan with santander bank and I had stopped the automatic payments on this loan in XX/XX/2023 because I am going through a financial crisis and I am working with a company that is helping me with my debt. On XX/XX/2023 the Santander loan department took {$510.00} from my checking account without authorization and ignoring the stop automatic payment that I had for this loan. I called Santander bank to request a refund and they declined it saying that is their right to take money from my account even though I had stopped the automatic payments.
|
| 02/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This matter has been addressed via administrative process with this corporation.No proper response from these criminals has been made and I demand to have this removed from my consumer report to avoid causing further injury. The proper procedure has been followed on my part however, the law has been broken and my consumer rights have been violated. As stated in the United States Code, a consumer must give permissible purpose for information to be shared and that has not happened. This is a blatant violation of law along with a violation of my consumer rights.
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I am past annoyed with Santander and their practices. They are damaging my character by reporting a repossession on my credit reports. They claim the vehicle was sold and the debt was charged off but I am still getting calls from them demanding payment. I know that charged off means they wrote it off as a loss and probably were paid on an insurance claim AND the sale of the vehicle. Also, I was not sent a 1099-C for this charged off debt which I'm ready to contact the IRS and report their fraud. I'm tired of the harassment and violations of my federal rights.
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
these inquiries are unauthorized, and they are not related to any transaction made by me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/18/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The creditor Santander was supposed to remove debt from all trade lines as a result of a class action suit { Santander multi state ag settlement } for bad practices. I am unable to contact the correct department to have this debt removed. When i call Santander the representative try to collect the debt. I received the cash potion of the settlement but have been unsuccessful in having the debt removed from my credit report. The creditor has the debt listed on my credit report as charged off and updated monthly in an effort to further damage my credit score.
|
| 06/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Santander and XXXX are both reporting negatively on my credit bureaus for the same account just different amounts. They are either closed or charged off but show a balance. I was told this is considered Double Jeopardy and have attempted to dispute with them through mail and one account has updated the last payment date to this year when the actual last payment was in 2018. North of these accounts are impacting me negatively greatly. Im assuming Santander is retiring the amount prior to auction and XXXX is reporting after auction. Could you please assist?
|
| 09/24/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
XX/XX/2022 Santander XXXX XXXX : Contacted Customer Service they held me on hold and hung-up. I recalled and the specialist made excuses that the interest was charged from charges earlier in the year in XXXX of XXXX. This made XXXX sense since I paid the balance in full prior to the due date and the {$6.00} interest fee was charged in XX/XX/2022.
Santander Bank : XXXXXXXX XXXX is charging interest and does NOT recalculate the interest to card holders on Charge backs. This practice is unethical and generating profit at the expense of the card holder.
|
| 04/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
Date : XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX XXXX Re XXXX XXXX Complainant : XXXX XXXX XXXX XXXX XXXX Santander / XXXX XXXX 1 . Improper use of my ( Social Security Number XXXX ) 2. Pursuant to Fair Credit Reporting Act -Title 15 U.S.C. 1681 section 602 3. My privacy right 's is being violated. ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) 4. Title 15 U.S.C. 1681 Section 604 ( a ), Section 2 Written Instructions Rule Violated. I did Instruct Negative Items To Be Reported 5. Title 15 U.S.C. Section 1666 ( b ) Open End Credit Cards, may not be reported late.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
To Whom It May Concern : I am writing to update / correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1971 I do not wish to have any telephone numbers on my report. Below are the negative account / accounts impacting my credit.
XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX {$0.00} SANTANDER CONSUMER USA XXXX {$12000.00}
|
| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I brought a lemon 2011 XXXX XXXX was in the shop for a half a year on return of the car the car has not worked correctly it is now going into shop for repairs it was over price which the blue book value the car for XXXX which XXXX charge me XXXX ; XXXX took them court the judge agree it was a lemon but could not award me a buy back because it was small claims court I won XXXX I get my bill XXXX months ago they claim now there a payment missing I sent copy of judgment paper work receipt but Santander bank acting like they don't have a clue what to do
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I called Santander Consumer USA XX/XX/2023 and previously also in XXXX of 2023 to get a letter of deletion to get their account off of my credit report. I settled the account with them already and I would like it removed. Each time I called, the representative stated they dont do courtesy deletions or send letters of deletion. I was under the impression that whenever I settled the account with them, that I could get it removed from my credit report. I will also be reporting them to my state attorney general 's office to see if I can get it deleted.
|
| 12/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
On XX/XX/2021 I was pressured by dealership to buy more cars due to the fact they ran my credit without my authorization XXXX times and I had approval from XXXX bank they insisted I dont let the approval go to waste and use them all. I said it didnt make sense financially but they used high pressure sales tactics and mislead me to believe that i was essentially required to do so. I sent out a letter of rescission, a list of my right that was violated, and asked for debt validation. certified mail said the letters was delivered but still no response
|
| 10/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2023 I wrote a dispute letter to XXXX XXXX XXXX requesting that they provide me with verification of the alleged debt they are attempting to collect. I noticed that Santander has made the account a charge-off on my consumer report with a {$0.00} balance and a 1099c was also suppose to be sent to me so I can file it on my tax returns as gross or ordinary income. If that be the case then how can XXXX legally try to collect a debt impersonating the original creditor. That is against the FDCPA 15 USC 1692e False or misleading representations.
|
| 03/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In XXXX of 2022 and XXXX 2022, Chrysler Financial used abusive tactics in violation of the FDCPA by specifically using and auto dialer and leaving automated computer voice messages after I specifically asked them to stop via the company portal in writing. They persisted and ignored me. I never signed any document giving them permission to use these methods, the message even says, this is a recording. I have sent a certified letter about this, they do not understand what they did wrong. I have the audio messages but do not think it is allowed file.
|
| 12/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XX/XX/XXXX CHRYSLER CAPITAL XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX In accordance with the fair credit reporting act this creditor XXXX XXXX XXXX and CHRYSLER CAPITAL has violated my rights under 15 USC 1681 section 602 states i have the right to privacy 15 USC 1681 section 604 A section 2 a consumer reporting agency can not furnish and account without my written instruction. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose
|
| 11/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
I want these inquires to be deleted. I did not authorize these companies to run my credit.
XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
santander consumer usa, and XXXX keep reporting charged off accounts on my credit file for XXXX as past due with recent past due payments and santander is changing the balance due. both companies are also reporting new dates for past due balances when the accounts are charged off. i also sent in a police report and ftc id theft report to have those accounts removed from XXXX i know this violates the fcra and i need those companies to remove those accounts from my XXXX credit file. this is illegal and it is preventing me from getting a new home
|
| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I have a car loan through Santander, they have repossessed my car XXXX times which led me to file bankruptcy because they will not work with me, the car has a negative equity of XXXX and they are asking for the full amount to be paid which changed from XXXX to {$13000.00} I really need my car and help resolving this issue they picked up the car recently XX/XX/22 and they will not accept payments. They are getting over on thousands of people I really just need my car back the rep I spoke to told me I have XXXX weeks to come up with the money.
|
| 12/11/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Here is a brief description of the issue : On XX/XX/2022 I paid in full the remaining of my vehicle loan {$1200.00} to Santander Consumer USA.
About a month later I received a card with about {$8.00} dollars as apparently I paid this amount in excess.
After I paid in full I requested documentation that would allow me to request my title without any pending loan. Three times the Santander agents have said they sent the document and I have never received it. My account is closed which makes it incredibly difficult to contact the institution.
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681s-2
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : SANTANDER CONSUMER USA XXXX Open Date XX/XX/2018 Balance : {$0.00}
|
| 12/05/2022 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have been on a mortgage forbearance program with Santander Bank during covid. In XX/XX/2022 I submitted all my paper work for a mortgage modification. I received a letter in the mail acknowledging my modification submission from Santander Bank. Now I've been waiting for my modification package in the mail so I could sign, submit and resume my mortgage payments, but they've yet to send me my modification package. I've called them several times and all I get is, their working on it. No one seems to know what's going on and I'm very worried.
|
| 05/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/2023 I WAS APPROVED FOR AN AUTO LOAN AS STATED BY SALES SPECIALIST AT XXXX XXXX BUT WAS ASKED TO PUT DOWN ENORMOUS DOWN PAYMENT OF {$5000.00} AFTER INFORMING THEM OF INQUIRY DISPUTES ON CREDIT REPORT WAS TOLD I WAS APPROVED BUT DENIED BY CHRYSLER CAPITAL FOR NOT WANTING TO PAY A HIGH DOWN PAYMENT I EXPLAINED I WAS A XXXX XXXX AND THAT THE VEHICLE WAS FOR PRIVATE USE LATER TO FIND I WAS DENIED FOR NO SCORE ON CREDIT REPORT THEY ASKED ME TO COME UP WITH CO SIGNER AND TOLD ME I CANT USE MY WIFE BECAUSE HER CREDIT IS BAD AT XXXX XXXX
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have sent multiple certified written letters to Santander Consumer USA asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.
|
| 12/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Santander consumer usa violated my rights After reviewing the truth in lending they provided me the calculations was all wrong. Not only that they have been furnishing my information to XXXX party with out my consent or notice. My car was recently stolen from my possession with XXXX party affiliated which i have never consent for them to continue giving out my personal information I recently sent them a notice to stop and deceits they continue to violated me with no regards to my notice. i have suffered tremendously from this whole ordeal.
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I went to XXXX : company name who I now see is rated F by the XXXX. So I may purchase a vehicle then submitted 1 credit application. They sent out my info to multiple lenders and gave me 6 hard inquiries on my credit without permission. I called all lenders to give a complaint and havent been responded to. XXXX hasent been very helpful. The companies whom hard inquires I did not give permission to are Santander USA, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
XXXX inquired hard on my credit 3x consent wasnt given for any of these.
|
| 02/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
This car was repossessed and sold at a auction, I was only credited for the price the car sold at auction for instead of being reimbursed for gap insurance and extended warranty thIs was financed as apart of this loan. If they recieved a lump sum payment why I still have to pay interest and for services for a vehicle that I don't have. I also disputed the dates and reporting info is no match all the agencies. And told they had a responsibility to report accurate information. This information is still inaccurate and not updated correctly.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I recently disputed the information showing late payments because it was affecting me from getting housing. However I have been XXXX days late due to recent separation/divorce. Now Santander Consumer is reporting that I have missed payments all the way back from XX/XX/XXXX. This information is inaccurate. And I would like for the inaccurate information to be removed. I have proof that I havent missed payments since XX/XX/XXXX. I will reach out to my bank to get proof of payments from XX/XX/XXXX to XXXX XXXX. I will attach XXXX till now.
|
| 08/11/2023 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/2023, a loan modification application was submitted to Santander. At the time the application was in review, they proceeded with continuing the sheriff sale on XXXX XXXX XXXX which is Dual Tracking. On XX/XX/XXXX after I requested the amount owed on my FHA mortgage, they called me to say that they will reinstate the mortgage for 40 years at 7.375 % interest with a monthly payment of {$1900.00}. This is three times the value of my home. I need oversight of their underwriting to ensure I will not be a victim of predatory lending.
|
| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I co signed on a XXXX XXXX XXXX with Santander USA. I am sitting at a 20.9 % interest rate on a XXXX $ vehicle totally to once loan is paid off to XXXX $ I have reached out to the company 5 times now to get a name removal as well as copy of my contract and they will NOT send it to me. I need the contract to present to my lawyer to remove my name from the loan. I feel as if they are withholding information as I signed my name on an extremely predatory loan that the vehicle wont even last through the total months financed
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I am writing to request the removal of unauthorized credit inquiries on my XXXX, XXXX and XXXX credit report.
On XXXX XX/XX/2023 I notice unauthorized hard inquiries on my credit report, Id like them removed because I did not authorize the report to be pulled for any reason.
XXXX XXXX XXXX XX/XX/2023 from XXXX Santander XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 from XXXX Santander Consumer Usa XX/XX/2023 XXXX XXXX
|
| 02/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Dear SANTANDER CONSUMER USA ; I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX,, XXXX, XXXX, XXXX, and XXXX 2022 30 's days late. ( during the times I was without a job due to XXXX ) ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements. Also, with everything going on, particularly XXXX, being hospitalized with XXXX, loss of a family member lately, and loss of job, etc. My only thought is that my monthly statement did not get to me.
|
| 09/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
I had paid off my Auto loan in full on XXXX, XXXX, 2023, but till date the Santander Bank has not reported to the Credit Bureau and the Loan amount is still showing in my Credit Report. It's a Fraud and despite of several Complaints earlier, Santander Bank is not taking this seriously.
I spoke to one of the Customer Support Associates XXXX on XXXX2023 and She confirmed that the account has been paid in full on XX/XX/2023and refused to give me a Ticket number for the Complaint for concern about not reporting to the Credit Bureau.
|
| 09/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to report an incident of identity theft that has caused significant distress and financial harm. My personal information was illegally used without my consent, resulting in unauthorized transactions and suspicious activities on my accounts.
I have taken immediate steps to secure my financial assets and filed a report with the Federal Trade Commission ( FTC ). I am seeking your assistance in investigating this matter and apprehending the individuals responsible.
Thank you for your prompt attention to this issue.
|
| 08/07/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
Older American |
|
Ive been paying in advance towards the principal and paid it down to {$11.00}. I tried paying the loan off online but was directed to call the bank. Its been difficult to communicate with representatives because I cant understand their convoluted explanations and also due to foreign accents ( no offense intended ).
Now theyre saying I owe an additional {$290.00}. I requested to speak with a supervisor but no supervisor was available. Ive been trying to get this resolved for the last month with no resolution. Please help. TY
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was looking to purchase a vehicle on XX/XX/2023. I went to XXXX XXXX and they told that I had XXXX to decide if I wanted to keep the car. After driving the vehicle for a couple of weeks my family and decided that this vehicle wasnt for us.I returned the vehicle in a little of two and was told that since I wasnt happy with the vehicle I could complete the proper paperwork and none of this would appear on my credit. Its XX/XX/2023 and I get a notification that Santander account # XXXX has put this vehicle on my credit report.
|
| 08/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
I purchased a vehicle on/around XX/XX/XXXX after purchasing the vehicle I incurred multiple issues. I took it in for servicing multiple times and some of the issues still exist. After the problem continued I reached out the the dealership and the finance company to return the vehicle back for maintenance issues. The vehicle was returned and sold on/around XX/XX/XXXX. The vehicle was sold from the dealership for over {$14000.00}. On my credit report it shows over {$7000.00} remaining as a unpaid balance which is not accurate.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XX/XX/2017 balanced owed {$2200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2017 balanced owed {$1200.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX balance owed {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE DISPUTED WITH THESE COMPANIES ABOUT THE FALSE INACCURACIES. ACCORDING TO 15 U.S CODE 1681A ( 2 ) ( B ) THEY HAVE NO PERMISSIBLE EVIDENCE.
PLEASE REMOVE IMMEDIATELY
|
| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom this may concern, I XXXX XXXX have reached out to this company regarding a debt on my credit reports from Santander consumer USA it is reporting open it and is also reporting I have late payments. This account is not my account I do not have an open account with this company and the balance is incorrect as well as the payment history reporting on my transunion report. This company agreed to getting this corrected back in XXXX 2022. This length of time is unacceptable and I would like this resolved immediately please.
|
| 12/13/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I asked Santander bank multiple times how to remove PMI since my home value has increased so much last couple of years. However, whenever I asked, Santander said I still needed to show that I could make three consecutive payment without any problem.
What a nonsense.. after Covid forbearance, I've been paying off every month since XXXX XXXXXXXX Do they need more payment records??????????????
I think it's Santander 's greedy tactic XXXX XXXX XXXX XXXX XXXX How can I make them to stop the PMI charge on my mortgage payment?
|
| 10/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Servicemember |
|
After reviewing the uploaded contract Santander Provided, I noticed that they Altered the Contract without my knowledge. After further review I also noticed some weird charges regarding the GAP insurance. I never requested a refund on GAP insurance, and I never received the funds either. it looks like they had me pay for the gap insurance and then somehow cancelled it and pocketed the fee for themselves. This bank is trying to collect double the amount of money for this loan and that is violating consumer law. They have not
|
| 04/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Dear Santander Consumer USA It has been brought to my attention that your company have reported this alleged debt as a loss on your tax return and have gotten a tax credit for it. My confusion is why is this still being reported to the consumer reporting agencies that I still owe this debt?? Your company have until the next 5 business days to delete this account off of my report. If not done within the time allowed I will file form 3949-A with the IRS & have your company reported.
ACCOUNT # : XXXX Thank you for your time
|
| 02/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Santander Consumer USA Was paid in full of agreement for Account I have reached out 5 times in the New year of XXXX regarding the 1099C Form regarding the settled payment in which the letter received XX/XX/XXXX requesting 30 days for all updates to be reflected in records and Release of title if applicable.
In the 5 times Ive contacted Santander Loss and Recovery department. I have requested documents each time and Given no response. Transferred from agent to recording that will eventually disconnect every single time.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have asked this company to send me the contract saying I still have a balance and they keep ignoring my request. It was just removed on my credit report last month and now its back on there again. Its so many things reporting inaccurately with this account reporting on my credit report and its hurting me from getting a new car because its showing up wrong on my credit report. I have asked them to show me where they are getting these balances from because this account was paid off and closed by the insurance company.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights.
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written consent.
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander consumer incorrectly reported 2 late payments on my credit and I want it removed immediately. I am currently speaking with a lawyer and I will file a lawsuit if they continue to falsely report activity on my credit report. Inaccurate information needs to be removed immediately or I will continue with legal action. I want the two late payments removed immediately. I will also be contacting law enforcement for financial harassment by Santander if the late payments are not removed by the end of XX/XX/2023.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Hello, It is stated under the law 15 USC 1681-a ( ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. ) Late payments reported on the Santander Consumer USA INC account violate this law. This letter is requesting the removal of all late payments on the following account immediately.
|
| 08/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Trouble using the card to spend money in a store or online
|
|
Web |
|
|
I received a prepaid debit card from XXXX XXXX for an overpayment to XXXX XXXX for {$38.00}. I tried to activate the card via their XXXX number, website XXXXXXXX and app XXXX XXXX XXXX XXXX. The phone number is a dead number, the website is a deadlink and the app doesn't work either. I then tried to call the customer service number XXXX listed on the back of the card. It too is a dead number. Now I have no way to activate the card and recover my money. In the meantime there is a $ XXXX monthly service fee.
|
| 11/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card over the phone on XX/XX/2022 to a rep of XXXX XXXX XXXX and XXXX consumer credit transaction was completed with Santander Consumer USA XXXX Santander Consumer USA denied me credit. The denial discriminates against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
We got this vehicle back on XXXX XXXX it has been XXXX years and XXXX months and this account is still showing on my credit report as an open account. We voluntarily gave this vehicle because due to Covid we lost our jobs and was not able to continue payments on this vehicle. I have reached out to Santander and they have not removed that loan from open status when they have sold this vehicle a long time ago. I will need them to remove this from my credit report as it is showing that this loan still exist.
|
| 07/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I financed a vehicle thru Santander Consumer USA on XX/XX/XXXX I put a down payment of {$8900.00} which I later found out that this act was illegal due to the fact that my social security number was used to facilitate this Consumer Transaction..After studying Consumer laws I found out that I was violated in many ways..I sent out certified letters to Santander to discuss remedies and I was ignored..Then on XX/XX/XXXX XXXXMy vehicle was unlawfully repossessed without any judicial action.. see 15 USC 1692 f
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Back in XXXX of XXXX I reached out to all 3 credit bureaus plus XXXX ND SANTANDER IN REGARDS TO FRAUD ACCOUUNTS THAT THEY WERE REPORTING ON MY CCREDIT REPORT. These accounts do not belong to me and were a result of identity theft. per 15 usc 1681 by law you can not furnish information that is untrue on someone's file like you guys have done. you all have not properly investigated and due to that the accounts have still remained. I will give you all one more chance to rectify the situation asap, Thanks.
|
| 12/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
Servicemember |
|
Santander repossessed my truck after 5 years of me making payments and its insured and registered. They claim that Ive never made a payment and that if I want the truck back I have to pay {$20000.00}. Santanders executive office said they have record of {$18000.00} in payments from me on my principal but their financial department said that wasnt true. The tow truck company that they said has my truck wont call me back or answer my calls and Santander wont give me a record of my payments that Ive made.
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
New Info I pulled my Credit Report and noticed inaccurate information reporting by credit agency 's. They are in violation of in reporting inaccurate personal info, inquiries, charge offs, and collections.
15 USC 1681 ( a ) ( 4 ) 15 USC 1681i 15 USC 1681s-2 15 USC 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) 15 USC 1681i ( 7 ) 15 U.S.C. 1692g I am requesting as the CONSUMER a description of the procedure used to determine the accuracy and completeness as stated in 15 USC ( 6 ) ( B ) ( iii ).
FTC # XXXX
|
| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm XXXX XXXX and I need your help in reaching this company, I made an attempt to get in touch with them to ask why someone had registered an account in my name. This is an serious matter, it is affecting my life, my mental health and my credit score. I did not and never have I let anyone use my name, date of birth, and any other personal information. They need to figure out who established the account in my name and give those details to them rather then myself. Please help me resolve this problem.
|
| 08/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
A loan company called Santanda I had in XXXX. The car was totaled in an auto accident and I claim was paid by my insurance company I had at the time. They are reporting that I owe them over {$4000.00} more and report this to the credit bureau that I am still late on payment for all these years. Obviously, its ruining my credit. This is a violation of 15 US Code 1681 ( 5 ), removal of inaccurate invalidated credit information. Please remove this information immediately. Thank you very much. XXXX XXXX
|
| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchased car for $ XXXX and paid {$370.00} a month for 3 years to Santander in 2015. The was in a garage and owner placed a len on vehicle and sold in an auction and got {$7500.00}. Making a long story short ... I paid nearly $ XXXX in payments loan for $ XXXX and on report reflects I owe $ XXXX ... XXXXTHIS INFORMATION IS TOTALLY INCORRECT AND I DEMAND TRADELINE TO BE REMOVED IMMEDIATELY IF SANTSNDER CAN PROVE I OWE $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX
|
| 09/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Santandar Consumer USA continues to collect a debt that has been written off by the company. I have contacted them for over a year with no change to the debt. They're XXXX understand the term " written off '' means they accept the debt as a loss to the business which means I do not owe this debt. They have not sold my debt to a debt collector yet they continue to personally collect this debt while also using the accounting term " write off '' when describing my debt and how the company handled it
|
| 09/18/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Santander Checking account did a ACH mistake twice to my account. And santander loan charged of {$2000.00} off my account when the santander ach made a mistake.
Charge me money that did not belong to me.
Left my account on negative {$2000.00} And they wont return the money to the account. After explaining that it was not my money.
I explained Im filing for bankruptcy and been constantly getting harassed by their phone calls.
explained that {$2000.00} is for taking.
XXXX XXXX XXXX XXXX.
|
| 04/09/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
I have a car leased through Santander consumer USA at XXXX XXXX XXXX XXXX XXXX Texas XXXX there phone number is XXXX XXXX XXXX I started my car balance at XXXX dollars and at XXXX dollars a month paid {$5000.00} dollars my balance has never moved they are not properly reporting my balance should be {$18000.00} dollars left on the car how am I current on my payments if I have never paid my current balance is {$23000.00}. Please tell me if the company is not using the real Santander and robbing me.
|
| 06/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
Santander recently involved in a class action lawsuit. As a result, there was judgement that was passed down basically stated that any derogatory associated with those companies as far as the repossession goes has to remove that off the consumer report. Due to missing information being reported. They are also in violation of the UCC code. As a result my account was involved in that class action lawsuit and would like it deleted off of my report before I take matters into my hands a step further.
|
| 12/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
So in XX/XX/2021 I got a loan from Santander Consumer USA, and shortly after that I lost my job and XXXX XXXX XXXX XXXX XXXX and then I was back to work and XXXX XXXX XXXX. I got upside down in my loan they repossessed the vehicle and I still have a charge off on my credit report for {$26000.00}. So I am unable to get any form of credit today. And they even repossessed the vehicle that was worth more than the loan amount. Im pretty much completely stuck in my life right now because of that loan.
|
| 10/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I contacted Santander about the account and asked about the several times i have asked for the debit to be verified I also advised that I wanted to Rescind said contract due to false and misleading practices used I was advised that my contract was not going to be settled and i am the one who is going to pay it I advised the employee/supervisor of the laws being broken and that the said debit was not verified and that I can rescind alleged debt / contract she advised me that that will not happen.
|
| 05/17/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I am the Trustee of a Trust that owns a CD at Santander Bank. The grantor/co-trustee has passed away. I have tried to gain access to the account and the branch manager of the XXXX branch continues to deny access or information. At all times since the creation of the trust I have been an active trustee. The bank has a copy of the fully executed trust. I have provided copies of my drivers license and death certificate of the other co-Trustee. To no avail. They continue to deny any type of access.
|
| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
i had a backrupcy that was final earlier this year and kept my car. i am making all payments, always have on time. My account has been taken off my credit report and showing nothing at all now, and this is not fair since i have been making all my payments on time and trying to rebuild my credit. I have reafirmed my loan with the court for my loan, and have talked with santander and they wont report my loan payments. this is not fair to me as ia m trying to rebuild my self and get back on track.
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out too each company stating that I have no knowledge of these inquires on my credit. Each company stated that they have no knowledge of these accounts on their end and that I should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit.
Sincerely, XXXX XXXX XXXX
|
| 09/12/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This is a debt with XXXX XXXX. I co-signed for a vehicle for my daughter in XXXX and XXXX is still contacting me regarding this debt. My daughter surrendered the vehicle around XX/XX/XXXX and they are still continuing to call my phone repeatedly. I spoke with them around XXXX and told them to contact my daughter. They are calling my phone at least 4 times a day. The debt is so old, it shows on neither my daughter 's or my credit report.
Your assistance with this issue is greatly appreciated.
|
| 05/24/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
I had a fraud on my debt card .In which I have spoken to the bank. The first time we spoke they said it looks like a mobile app service used your debt card to buy things ( over {$600.00} ).
The bank made a fraud claim notice it wasn't me and denied my claim The bank is santander They didn't try to fix the problem.
They told they denied the claim for insufficient reason.
That the description didn't mention why or how they stole my information It's fraud who knows Santander is the worst bank
|
| 12/19/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXXXXXX XXXX XXXX has sent XXXX to serve papers on me for a supposed debt from 2007. When asked for any kind of verification of debt they refused to give me any and said I owed XXXX but I could pay them XXXX but all they say is it is a debt from XXXX from 2007. They give me invalid numbers to talk to their client they tell me that SC Statue or Limitations do not apply and I have to pay the debt or go to court.
Their contact information is XXXX and XXXX when googled nothing comes up
|
| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I DID AUTHORIZE THESE INQUIRES 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
|
| 06/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Good evening, On my title status there are XXXX Liens. I have paid off my vehicle please see XXXX release attached. I noticed fraudulent on my title of a company I have never taken a lien out with in detail below. There is only XXXX lien on my vehicle which is XXXX, please see XXXX release attached.
Please remove both liens off the vehicle. The vehicle is free and clear. Thanking you in advance.
I NEVER TOOK OUT A LOAN WITH THIS COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
15 U.S. Code 1692b- Acquisition of location information, Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. This is a violation of the consumer laws and my rights as a consumer. This act was made by the following companies, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I filed arbitration with XXXX XXXX XXXX against Santander Consumer USA on XX/XX/2023 due to securities fraud and violation of consumer laws. I mailed correspondence in writing as instructed by the XXXX XXXX XXXX on XX/XX/2023 and Santander still repossessed the security today. I gave them my case number as well as tracking number for the mailed correspondence and there was still adverse action taken, which is another violation of 12 CFR 1026.13 ( d ) ( 1 ) and the Fair Credit Billing Act
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit, Reporting Act. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.
|
| 05/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I noticed this fraudulent account on my record, I have never had a car loan until recent. I just recently got my driver license. I am a victim of identity theft I noticed this account back XX/XX/2022 and than I contacted the police for help and they stated I need to dispute with the bureaus and I have but they aint any help.
This is hindering my consumer report. My next step is going through litigation I truly dont wont to sue but at this point this is the only way they will listen.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Hi A hard inquiry is placed on my credit file by a SANTANDER CONSUMER USA INC Address : XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : ( XXXX ) XXXX on XX/XX/2023 I never apply with this company for anything or with any other company at this date, i called the company asking why they submitted the inquiry they say they can not help me without account number, I don't have account number with them because I don't know who they are i try to call XXXX to dispute this inquiry they refused.
|
| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts listed below must be removed ( CHRYSLER CAPITAL ) XX/XX/2022.
XX/XX/2022.
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY XXXX XXXX XXXX XXXX XXXX
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
ACCOUNT NAME : CHRYSLER CAPITAL ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
Servicemember |
|
The company sent me an email that my payment was successful. When I checked my credit report I saw that I was late on car payments and my credit took a major hit. This affected me financially and mentally. I reached out and pointed out this was a mistake with their system. I have never missed a payment, never got a letter email, or call about the late payment error. Chrysler Capital said there was nothing they could do and I could call the credit bureaus to get information removed.
|
| 09/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I, XXXX XXXX, Consumer, have sent a notice to Santander Consumer USA Inc, including an invoice of {$61000.00} via Consumer Finance Protection Bureau ( CFPB ) and the notice and invoice shall not be construed for any reason or any purpose at anytime. If Santander Consumer USA Inc, willfully fail to comply with my written instructions, I will have no choice but to file a lawsuit in Federal District Court with Prejudice! This notice shall take effect immediately!
ALL RIGHTS RESERVED!
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This is my formal complaint to SANTANDER CONSUMER USA for taking no action to correct and remove the fraudulent account that is still reflected on my credit report and continue to damage my reputation. I sent out communication letters and complaints to them several times, but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they would be reporting accurate information on my file but it seems they are not.
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair reporting act XXXX XXXX XXXX of XXXX XXXX Account XXXX has violated my rights.
Code 1681 ( 2 ) a, i.has been violated.
15 USC 1681 section 602 states i have the right to privacy.
15 USC 1681section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| 07/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I purchased a XXXX XXXX XXXX In XX/XX/2021 at XXXX XXXX on XXXX XXXX Florida. Based on the auto insurance declaration page, loan was secured by XXXX XXXX XXXX MD, however I was issued repayment information from Santander Consumer USA. I reviewed the loan agreement and this vehicle ( collateral ) was used to secure the loan instrument. I want a written response as to why the loan payments were requested to go to Santander Consumer USA but the lien holder is listed as XXXX XXXX?
|
| 04/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
15 us code1635 right of recession gives borrowers an extended right to rescind within three years if the lender has failed to provide to the borrower either the notice of rescission or accurate material disclosures.
I dont have title I don't want account any longer don't have proper paperwork don't want contract any longer voluntarily repo Can't get the car registered fail behind in dmvs fees due to inaccurate material disclosure... please take the marks off my credit report
|
| 07/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
SANTANDER LATE PAYMENTS ARE SHOWING ON XXXX, XXXX. AND XXXX AND I HAVE REACHED OUT TO GET THIS CORRECTED WITH OUT SUCESS.
ACCORDING TO FCRA 1681a ( 2 ) A ( i ), LATE PAYMENTS SHOULD NOT BE REPORTED AS NEGATIVE INFORMATION. UPON REVIEWING MY ACCOUNT I DISCOVERED MULTIPLE INACCURATE LATE REPORTS. THIS INCORRECT REPORTING ADVERSELY AFFECTS MY CREDIT WORTHINESS AND HINDERS MY ABILITY TO OBTAIN FAVORABLE CREDIT TERMS. PLEASE DELETE ALL NEGATIVE INFORMATION REGARDING THIS ACCOUNT.
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
I was sold a lemon car. The engine cracked right before we made a year on the car. I was told there were no issues with the car and it shut down on us on the middle of the freeway in XXXX of XXXX
When I tried to read the dealer and the dealership about the situation. The car salesman that helped us moved off island and the dealership closed down.
We were left with XXXX in loan debt because no one would help us. That was the first car we ever bought from the dealership too.
|
| 01/31/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I noticed my interest rate was 22 % APR. I contacted Santander Consumer on XX/XX/23 to retrieve a copy of my contract because I never signed anything that said my interest rate was that high. Santander said they were unable to send me a copy because it is illegal. I contacted the dealer I got the car from and they sent me a contract that had NO signature of mine anywhere. I asked them where was the paperwork I signed when I got the car and thwy said they have no record of it.
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Made numerous requests to have incorrect information removed.
In Accordance with the Fair Credit Report Act This Creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with Fair Credit Report Act the creditor has violated my Rights! Under Act 15 U.S.C.1681 section 602 says '' I have the right to Privacy ''. 15 U.S.C. 1681 Section 604A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C.1666B " A creditor may not treat a payment on a car payment account under an open and consumer credit plan as late for any purpose ''.
Santander Consumer USA
|
| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
|
| 06/13/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
XXXX XX/XX/22 four XXXX were taken out of account. XXXX, XXXX, XXXX. Bank claims I approved transaction. I did not approve. Bank said I had a right to see emails they used to take the money. They refuse to send these emails. Have gone to closest branch, talked to fraud dept, always say will send within 10 days. Nothing. Have gone to bank at least 4 times. They will not give our money back and will not send the emails, which I never got or would have approved. Thank you
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| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
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Web |
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The XXXX XXXX XXXX I am financing with Santander Consumer, The car is totaled and has been for almost 3 months, my insurance company has been ready to pay them out, they are unable to produce a title for the vehicle after 1 year+ I have owned it, This is impacting my credit score greatly .... They have tried " gaining the title for the last 3 months '' and said it is my problem... I see no way in figuring this out and each day that goes by my credit is being impacted.
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| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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I purchased a car in XX/XX/2022 and tried to make payments that was denied because they were partial payments. Also Social Services try to make payments on my behalf that was denied because they had a credit card. My car was repossessed in XX/XX/2022 due to the payment issues I was not able to come to an agreement with them on making a payment or making past due in order to get my car back on my XXXX XXXX it shows that my payments were all on time and I was up to date.
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| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I recently reviewed my credit report and noticed a lot of inquires that werent done by me. Its a defamation of character under law 15 USC1681. I asked for the credit bureau to verify this information they stated they couldnt and I had to reach out to the companies. I reached out to the XXXX XXXX XXXXhey stated the same that they couldnt and for me to reach out to the credit bureau to get them removed. Still nothing has been done and this has went on for over a month.
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Santander Consumer has violated my rights.
In accordance with the fair credit Reporting Act Santander Consumer USA loan has violated my rights.
15 USC 1681 Section 602 states, " I have the right to privacy. '' 15 USC 1681 section 604 A section 2 : It also a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as for any purpose.
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| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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XXXX XXXX XXXX XXXX reporting i owe {$970.00} on an account I have no knowledge of XXXX XXXX XXXX XXXX {$19000.00}, they are reporting on my credit report. not my account XXXX XXXX XXXX XXXX {$41000.00}, they are reporting on my credit report not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX never shopped with this company, never gave them permission to ran my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy
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| 09/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting Act Santander Consumer USA ACCOUNT # XXXX has violated my rights.
15 U.S.C 1681 Section 602 A : States that I have a right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the fair credit reporting act these creditors 1 : Chrysler Capital XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 section 602 states : I have the right to privacy.
15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the fair credit Reporting act XXXX this creditor Account # XXXX has violated my rights. XXXX Under 15 USC 1681 Section 602 States I have the right privacy.
Under 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.
|
| 12/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights as of XX/XX/2021 & have evidence.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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Santander Bank Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 U.S.C. 1681 Section 602 states I have the right to privacy. Under 15 U.S.C. 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written consent. Under 15 U.S.C. 166b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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A account that is on my report that has been closed and charged off since XXXX is now updated and reporting missed payments from XXXX, when this account was charged off and closed 8 years ago. I went to XXXX and ask them to update it correctly but instead they added XXXX Balance and a year worth of missing payments. This account use to only show a XXXX Balance and no miss payments. The company has continue to fail the people without doing the proper investigation
|
| 01/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
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|
Web |
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I have requested a copy of my auto loan note/agreement from Santander in excess of 5 times and they will not send it to me. I have also requested my formal auto loan statements for each month since originating my loan in 2013 and they have failed to provide them in violation of FDCPA and have failed to provide debt validation notices. Their accounting of my loan is illegal, they do not apply payments according to amortization on a fixed rate closed end term loan.
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| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
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| 02/10/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Debt settlement
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|
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Web |
Older American |
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A checking account, for Santander Bank, was opened, on my name, by a scammer, XXXX XXXX. He stated, he deposited {$20000.00}, in to that account. I wrote a check, drawn to that account, on my account, at XXXX XXXX XXXX. The Santander account, is a real account, but my name, isn't on it! I needed to repay, XXXX XXXX XXXX.
I contacted, both banks, without resolution.
I have been in contact, with the Attorney General 's Office, who are also investigating this.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
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I received a notification of credit denial, dated XX/XX/2023, from a company I'd never heard of, Chrysler Capital, stating that I'd applied for credit through XXXX XXXX XXXX, XXXX, on XX/XX/2023, which I had not done. I found a hard inquiry from Chrysler Capital, also dated XX/XX/2023, on my XXXX credit report ( but not on my XXXX or XXXX reports ).
Chrysler Capital lists their contact information as : XXXX XXXX XXXX, XXXX TX XXXX Telephone : ( XXXX ) XXXX
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me.
XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 SANTANDER CONSUMER USA Inquired on XX/XX/2021
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Older American |
|
The loan company name is Santander, I fill application belongs Infinity and then they ask me to bring 1, two years tax return 2, for three months bank statement, 3, my social security copy everything what they ask me I gave them still they dont accept, my score is around 710 and XXXX I like to ask question if you have over 700 score you dont need to collect personal information, that is the rule I know, please contact this office and get answer thanks a lot,
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
|
| 01/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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XXXX XXXX XXXX XXXX. Account # XXXX XXXX XXXX XXXX XXXX IS VIOLATING THE FAIR CREDIT BILLING ACT.
XXXX XXXX ARE VIOLATING MY CONSUMER RIGHTS BY REPORTING INACCURATE LATE PAYMENTS.
THE ABOVE ACCOUNT WAS ALWAYS PAID ON TIME AND WAS NEVER LATE AND IT WAS PAID IN FULL IN XX/XX/2022.
I HAVE DISPUTED THESE LATE PAYMENTS FOR THE LAST 8 MONTHS BY REQUESTING PROOF OF DOCUMENTATION SHOWING WHEN I WAS LATE, BUT I HAVE NOT RECEIVED ANY PROOF OF LATE PAYMENTS.
|
| 11/17/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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|
Web |
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I vehicle was repossessed and sold by Santander Consumer USA. The difference from the sell of the vehicle and my finance charge has been added to my credit report as an unpaid debt. Santander Consumer USA didn't disclosed several key factors involved in our contract. From explaining conscise and conspicuously what my finance charge was, how my APR was calculated and that security interest secured all obligations. These are clear violations of our contract.
|
| 11/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.
In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate.
|
| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
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Santander consumer USA are predatory lenders. I bought a {$12000.00} used vehicle and so far have paid {$15000.00} in interest and only {$10000.00} towards the principle. I still have another {$5500.00} to pay until the vehicle is paid off. They also have messed with my title. I originally purchased the vehicle in Florida and moved to Tennessee. Tennessee had sent them a letter asking for the title and the still have not provided Tennessee with the title.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I have an auto loan that was reported on my account that I had never had in my life I have never had an auto loan with Santander bank theres no Santander bank in XXXX PA this account is now closed and I need to get this removed off of my credit because it is identity theft I did call Santander and they instructed me to this website to get this removed off of my credit I have also sent Santander my police report that I filed with my local police department
|
| 09/26/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
Submitted check from Active Junky for {$1800.00} on XX/XX/XXXX in XXXX XXXX.
Check was rejected as duplicate and {$5.00} return check fee was assessed.
I contacted active junky and they said the check cleared on their end.
I only submitted one check. There was no duplicate.
Now my money is missing.
Santander needs to submit funds of {$1800.00} to my account, credit the {$5.00} fee and provide interest at the 10 % inflation rate for missing funds.
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have made several attempts to inform this company I am a victim of identity theft I have provided this company with a FTC report, police report and their own internal identity theft report and they failed to remove this information from my credit report. They have certified this account but have not shown me any certificate of certification as i requested this company continues to harass me by calling multiple times a day leaving threatening voicemails
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act Santander Consumer USA Inc. # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I disputed two late payments for my car note from Chrysler Capital for months XX/XX/XXXX and XX/XX/XXXX on my credit report from XXXX. The finance company offered Covid relief during this time and advised they would not report negative remarks during the pandemic. I attempted to dispute again and they will not allow it if I don't have documentation. I feel the dates are self explanatory, I don't have any documentation, I spoke to a rep over the phone.R
|
| 11/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor, Santander Consumer USA has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy ,15 USC 1681, section 604 A Section 2 also states, a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit car account under an open in consumer credit plan as late for any purpose.
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act Chrysler Capital Account # XXXX has violated my rights. Under 15 USC 1681 section 602 states I have a right to privacy.
15 USC 1681 section 604 A section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USCS 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
|
| 06/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Chrysler capital is reporting inaccurate information on my credit profile they saying that I made a payment in XXXX2022 when they repossessed the vehicle in XXXX of 2022. They auction the car off but they reporting that I still owe them the full amount when my gap insurance paid the remaining balance. Which should be XXXX dollars. I would like for them to delete it off my credit report because its inaccurate and its has cause me to not obtain credit.
|
| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have paid every month for 3 years until I got hurt and was off work but I called and made payment arrangements and I spoke to a customer service manager and was told that they would get all my late fees and some of the extra interest off that would bring my total amount down a lot and I would not owe but a few thousand dollars ( XXXX ) but they have not did that. Most off my money is going towards interest. For the mileage and old year of the car.
|
| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX # XXXX Santander XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have reached out each company Stating that i have no knowledge of these inquires on my credit. each company stated that they have have no knowledge of these accounts on their end and that i should contact the credit bureau for further assistance. I have no knowledge of these inquires they are fraudulent and i would like them removed immidiately from my credit.
Sincerely, XXXX XXXX XXXX
|
| 11/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Consumer USA.XXXX
It has the wrong account balance. The report balance on my credit reports shows {$11000.00}. The online portal shows {$10000.00}. The information that is reported on my credit report inaccurate. CFPD and the credit bureau has claimed that the validated the balance which was not true. The is a federal violation. I demand this debt to be removed. Otherwise, I will have to legal actions with my attorney to get a resolution.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have called XXXX, XXXX, and XXXX about two accounts that are reporting on my credit profile without any luck. I recently sent out letters on XX/XX/2023 to all three bureaus notifying them of this and asking if they could open an investigation into the outdated accounts, I still have not heard anything back as of XX/XX/2023. I would love to get this handled as soon as possible and get those my accounts off of my credit profile as fast as possible.
|
| 03/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/23 I made a XXXX deposit to the atmosphere at the bank branch, the money got stuck and ripped in the machine a XXXX I hit the button to return all tge money and the machine kept it and did not credit my acct at all. It was a XXXX and some XXXX. I filed a claim and the bank said because they couldn't find it I can't get my money back. They didn't even disassemble the atm.. I want my money back that the bank stole from me. Claim number XXXX.
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Consumer USA provided to FCPB incorrect and inconsistance inormation. on their letter they sent it to you the monthy payment was {$390.00} as on the sale contract too. but on my XXXX report the monthey payment is {$390.00}.
Also the terms on the letter & on the contract are 60 months but on my experian report 62 months.
The address on the sale contract was incorrect. That wasn't my previous address which was XXXX XXXX XXXX XXXX NY XXXX.
|
| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 166B : A creditor may not treat a payment on a credit card or car loan account under an open end consumer credit plan as late for no purpose.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the rights to privacy.
15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agent can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IN ACCORDANCE with the fair credit reporting act this creditor has violated my rights! under 15 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act this XXXX Santander consumer usa has violated my rights under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604 a section 2 it also states the consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Chrysler Capital.
XX/XX/2022 and XX/XX/2022 It's been over 30 days and the creditor has not updated the information nor has provided proof or documentation on a late payment they have not supplied this information and they must delete the alleged late payment off my credit report.
by federal law they had 30 days to provide and complete the investigation and by failing to do so the item must be deleted off my credit report as soon as possible.
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Santander USA, I have sent in several different complaints about the same thing with theses people, Im am asking that this matter be investigated and resolved immediately and remove from my credit report, they are still reporting that I owe money to them for a account that I won a lawsuit against that they paid me and a judgment against them to remove it from our credit report! Can someone please help me resolve this matter for once and for all!
|
| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have observed that you have listed an alleged debt on my consumer report without any prior communication. I demand that you provide the 1099c for this account. It is unjust to report this account and have it displayed on my consumer report. I have enclosed my complaint letter for your review, and I expect a careful examination of its contents. If this matter is not addressed appropriately, I will pursue legal action against your organization.
|
| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This account was paid off in XXXX of 2022. As per I have requested that this account be removed from credit report as it is reporting as potentially negative. In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. 15 USC 1681 section 604 a Section 2, states that consumer reporting agency can not furnish an account without my written instructions.
|
| 09/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/23 at approximately XXXXXXXX XXXX from XXXX XXXX XXXX opened a locked gate and proceeded to open a shut garage and drag our vehicle out. My wallet as well and important personal items were also in the vehicle. We have tried to contact the company to get our belongings and they wont respond. We filed a police report as well as have video evidence. Our lawyer will be contacting on Monday to sue this company for criminal trespassing.
|
| 05/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Santander Consumer USA accepted a fraudulent loan with forged signatures. Santander Consumer USA failed to respond to consumer questions and acknowledge errors.
Santander Consumer USA failed to agree to terms and conditions stated in prior lawsuits, particularly language involving " moving forward '' for future loans. They were obligated to adhere to strict conditions and failed to do so.
Santander Consumer USA continues to lie and harass.
|
| 02/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I accordance of the Fair Credit Act this creditor, Santander/Chrysler Capital , Account # XXXX has violated my rights under 15 USC section 602, states I have the rights to privacy. 15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
on XX/XX/2022 XXXX XXXX opened up a collection.
account number {$1400.00} that I owe I have never signed any written document saying that I owe this debt to the collector.
They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent from my end.
Also they have not verified that I owe this debt to this alleged company.
Please have this removed from all three credit bureaus.
XXXX XXXX
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
Santander consumer USA ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ) I am in the process of getting an apartment for my XXXX yr old daughter and I. However I have noticed that I have hard inquiries that I did not take out and dont have any acknowledgment off on my credit score. Its impacting me because its been hard too find an apartment due to this. I need help of removing off my credit file. Santander consumer USA was taken out XX/XX/22
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. This account must be removed in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not block this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible SANTANDER CONSUMER U XXXXXXXX Balance : {$0.00}.
|
| 02/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
My letter sent certified mail on XX/XX/XXXX was delivered and signed for on XX/XX/XXXX. I have requested validation of debt, and to this day have not received this from the company. I was then forwarded a judgement from XXXX of XXXX that I never originally received. This judgement was sent to an invalid address and has an invalid employer listed to " garnish my wages '', therefore this is an invasion of my privacy pursuant 15 USC 1681 384.
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor ( Santander ) has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act this creditor has violated my rights under act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B a creditor can not treat a payment on a credit card account under an open Or consumer credit plan as late for any purpose
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 USC 1681 section 602 STATES " I HAVE THE RIGHT TO PRIVACY '' Under 15 USC 1681 section 604a section 2 " it also states a consumer reporting agency can not furnish an account without my written instructions '' 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am writing a complaint to this company because I am certain that they have violated my consumer rights by not providing validation of debt upon my request in XX/XX/2023 in a timely matter. Also, after carefully reviewing my report i noticed some inaccuracies being reported on my consumer file from this company. Under FCRA law 15 USC 1681s ( 2 ) lenders have an obligation to report accurate and factual information on a consumer report.
|
| 06/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
I had a XXXX XXXX XXXX repossessed by Santander Consumer USA due to financial hardship and the plandemic. I have no further knowledge of vehicle. The account was charged of, however, upon reviewing my credit report, ( XX/XX/XXXX ) a new charge was reported. I received no correspondence from this company concerning this new charge. This agency is in violation of improper reporting of a debt without meeting its obligations under the CFPB.
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My identity was stolen I did an form with identitytheft.gov I have the PDF multiple accounts was open in my name with credit cards and auto loans and multiple hard inquiries that I didnt authorize my wallet was stolen with all my identity information like social security card and driver licenses and more also there are multiple addresses and employment information and phone numbers on my credit report thats not mines everything is fraud
|
| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights acct # XXXX 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Due to a breach from XXXX ( see attached judgment and FTC fraud complaint ) in 2017, the consumer 's credit report has been compromised. This account is a fraud account reported to Maryland DMV, the three credit report bureaus, the Office of Comptroller Of The Currency, and the Federal Trade Commission. The Department of Justice is also aware of the compromising breach and the stealing and usage of the consumer 's private information
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
There was a judgement that was passed during a class action lawsuit Santander Consumer were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So Santander account number usa XXXX is violating my right per fcra please delete off my credit report attach is the court order
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
|
| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In accordance with the FAIR CREDIT REPORTING ACT ... XXXX ACCOUNT XXXX XXXXXXXX, has violated my rights.
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 01/25/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hi I am hoping to be able to get help here, I have a mortgage account with Santander Bk Account # XXXX. I am having lots of difficulty. I make my payments on time all the time. I am unsure if Santander is misallocating the funds or they are not providing accurate amounts. They also keep changing the amounts. I keep making payments and we keep having issues. When I call there seems no-one to speak to. I am hoping you can help me out.
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I had an accident on XX/XX/2018 my insurance company payed to have my vehicle fixed the dealership which I bought the truck from receive my truck to fix it or to give me a new one. Unfortunately my truck was sold from under me and now Chrysler capital its reporting I still owe on a vehicle I dont have. The vehicle was never repossessed or voluntarily returned. This account is saying open but it should be closed and off of my credit.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor have violated my rights under 15 U.S.C 1681 section 602 states that I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666B a creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.
|
| 05/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right of privacy.
15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end customer credit plan as late for any purpose
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT CRYSLER CAPITAL XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.
|
| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company never disclose to me that if I had an extension on a monthly payment that it would affect me negatively on my credit report so about XXXX different times I requested an extension but my loan is paid in full and now in the credit report it says that I had a 30 day late payment which is not true. The company was Santander. It shows XXXX balance on my credit report with Santander but I want it removed from my credit report
|
| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
My vehicle was repossessed in XXXX of 2022. I payed the company in full to get my vehicle back. I am currently speaking with a representative who is stating that I have fees unpaid that are from the repossession. A repossession in which I was present for. One in which prevented me from getting to work one in which by law if the person is present there should be no contact or interaction with the towing company and the loan holder.
|
| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Santander Consumer USA Account Number : XXXX incorrectly reported as a charge off and repossession. FTC law and Federal Truth In Credit Reporting Disclosure Act protects my credit from any delinquency reporting after seven years. There should be no lates on my credit report for all open credit cards. I prepaid my account XXXX month in advance before any due dates for all opened accounts to avoid any future problems as a catalyst.
|
| 03/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid my joint account with Santander Consumer USA in full on XX/XX/XXXX. On all 3 of my credit reports its showing a balance of {$3400.00}, also on my credit reports they are also showing different different dates ( XXXX ) late payment. It should be showing XXXX late payment in XXXX of XXXX, which it does on XXXX credit report and the other XXXX its showing XX/XX/XXXX. This company has been difficult to deal with from day XXXX!
|
| 12/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights.
15 USC 1681 Section 602 states i have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end customer credit plan as late for purpose.
|
| 04/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
I had a car loan with Santander when I was a single mom to XXXX kids and struggling to provide for them. I was given a car loan with insanely high and predatory interest rates, and ended up defaulting. There is now a class action lawsuit regarding this and part of the suit is that any derogatory remarks in my credit report be removed. It is showing as delinquent with a charge off amount, which should be corrected per the lawsuit
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy and in 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 section 602 states I have the right to privacy.
15 USC 1681 section 604A section 2 : it also states consumer reporting agency can not furnish in account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for purpose of
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 03/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For purpose.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish my account without my written instructions. Under 15 USC 166B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS.
15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.
15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE
|
| 12/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander repossessed my vehicle, then a year later I was included in the lawsuit against Santander. Since they had already repossessed my vehicle and sold it I wasnt able to get it back, so instead I got a refund check from Santander. They were suppose to remove any balance left.vI have been constantly fighting with the them and XXXX with no response other than them increasing the amount of debt that they were sued to remove
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These are not my loans I did not apply for any loans I dont have a drivers license or a car I cant get a car loan in XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Santander Consumer USA XXXX XXXX XXXX N Accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 10/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I made a claim to Santander Bank and I explained to them that someone hacked into my bank account and they managed to steal {$540.00} from my bank account and transferred it to theirs. I told them that i never shared my login credentials to anyone and they asked me other questions but i cant remember what they asked but then i get the results in my mail and they basically said that my claim was denied due to inconsistencies
|
| 10/24/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I XXXX XXXX, Have previously disputed the account with the company by the name of Santander Consumer USA. The account reporting on my credit report from Santander does not belong to me I have reached out to dispute the account from my credit report. However, the account is still reporting on my XXXX and XXXX. It has been removed from my XXXX account.
I would like these accounts removed from my credit report Expeditiously!
|
| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
Santander had repossessed my sons car and put on my credit he did not pay to get back because tow truck had scapped the bottom and car came off hunge and landed side ways with damage now it it reported on my credit as charge off sold to another company with out my consent santander shows amount XXXX and other company showed XXXX so two amounts different and both on my credit report for a debit that shouldnt be on my report
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
|
| 03/14/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I, XXXX XXXX, entered a consumer credit transaction with SANTANDER on XX/XX/XXXX. And 1 year later I have not received my validation of the alleged debt pursuant to 15 USC 1692g.
I do not believe I owe such alleged debt therefore I submitted a request to validate such allegate debt via a debt validation letter and cease and desist.
Letter was received by SANTANDER offices XX/XX/XXXX and have attached such proofs below.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the federal crediting Act this creditor has violated my right under 15 U.S.C. 1681 Section 602 stated I have the right to privacy.
15 U.S.C. 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1666 : A creditor may not treat a payment on a credit card account under open-end consumer plan as late for any purpose.
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There has been a complete Error this vehicle never belonged to me and was wrongfully put into my name using my social I have filled for identity theft and this has been more than a clerical error and has been on my credit report for years. I never authorized any vehicle repo or the vehicle at all and no one has responded to my case from these car companies. Please remove this from my credit report as this is not me at all.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credot reporting act XXXX Account # XXXX has voilated my right.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 section 604 A Section 2 : It also states a consumjer reporting agency can not furnish a account without my writtien instructions.
15 USC 1666B : A creditor may not treat a payment an a credit account under an open end consumer credit plan as late for purpose.
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XX/XX/2023 I have tried reaching the business I wasn't able to get anyone I have reached out to the credit bureau the only thing they could tell me is that it will be removed in XXXX. My problem is I would like it removed now because I recently noticed it and have never applied for these merchants. There are no amounts due to these are inquiries but I have informed the credit bureau but they were unable to help.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.
|
| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I XXXX XXXX is writing to request the removal of unauthorized credit inquiry/inquiries on my XXXX, XXXX and XXXX credit report. My latest credit report shows that on XXXX XXXX a credit inquiry that I did not authorize is listed. I only authorize XXXX XXXX to run my credit for XXXX XXXX and they also ran my credit for multiple lending companies. I would like for that inquiry to be remove from my credit report.
XXXX XXXX
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting Act XXXX Account # XXXX, had violated my rights.
15 USC Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
A child support debt is reporting on my credit profile that is hindering my approval odds and I did contact them to ask that it be removed the fact they committed fraud, nor had jurisdiction for a signature to enforce these terms of the debt... I never agreed to the terms or had the right to due process in judicial court! No judge has signed off to make it fair dealing with the circumstance under commercial code 15 USC
|
| 06/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ACCORDING TO FCRA 1681a ( 2 ) A ( i ), LATE PAYMENTS SHOULD NOT BE REPORTED AS NEGATIVE INFORMATION. UPON REVIEWING MY ACCOUNT I DISCOVERED MULTIPLE INACCURATE LATE REPORTS. THIS INCORRECT REPORTING ADVERSELY AFFECTS MY CREDIT WORTHINESS AND HINDERS MY ABILITY TO OBTAIN FAVORABLE CREDIT TERMS.
COMPANY AGREED TO REMOVE ALL LATE PAYMENTS AND HAS NOT HELD UP THEIR WORD. I HAVE NOT MADE LATE PAYMENTS IN THE LAST 2 YEARS.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with fair credit Reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 Section 602 State I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consume reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for purpose.
|
| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance with the fair credit reporting act XXXX XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 Section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Reporting company used your report improperly : Santander Consumer USA In accordance with 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instruction. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Incorrect information is showing on this account and continues to be reported to the credit bureau. This was a joint account that was resolved and should be removed/not reported anymore. Information being reported is different for each agency which is causing inaccurate information to be shown on my file. Please remove this inaccurate information as it is fraudulently being reported to the credit reporting agencies.
|
| 11/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2023 I experienced inquiries causing harm to my credit worthiness, and I the consumer and or the beneficiary have received no benefits according to My consumer report must be accurately & fairly investigated per 15 USC 1681 ) A Consumer Report only includes the " identity of the consumer '' nothing related to ANY transaction. This would result in violation and I demand these derogatory accounts be removed.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am writing to request your assistance in addressing an issue with my credit report. On XX/XX/XXXX XXXX XXXX I applied for financing to purchase a new car. During the credit check process, I discovered that my credit report contains inaccurate and damaging information. I believe these inaccuracies violate my rights under the Fair Credit Reporting Act ( 15 USC 1681 ) and may be considered a defamation of character.
|
| 02/01/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
XXXX I have two accounts with Santander bank and one I use to pay daily transactions XXXX, the other XXXX is where I have more money.The problem is that XXXX account reflects transfers that never reached the other account XXXX and this reflects exorbitant amounts for the level of monthly spending. the money disappeared almost daily transfers of XXXX, XXXX, XXXX impossible these expenses. I don't how this been going
|
| 04/19/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
When calling customer service anout a {$300.00} payment made on XX/XX/XXXX, the company refused to srnd me a fax number or an address to forward my bank transaction statement showing the money sent and not returned to XXXX for {$300.00}. The customer service rep refused to email any address, email, or fax number for the bank statement to be sent to showing {$300.00} was paid to Santander and not sent back to XXXX.
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid off the amount from Santander consumer in full in XXXX XXXX XXXX. I checked today to make sure everything was okay and then I see that it says that I missed a payment and owe XXXX dollars which is false information. I do not owe any money to them and confirmed with them that everything was paid off. This is false information and dropped my credit score for absolutely no reason. They are refusing to help me.
|
| 10/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state a creditor may not treat a payment on a credit card account under an open-end consumer Credit plan as late for any purpose.
|
| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
THE FOLLOWING ACCOUNT WAS SUPPOSED TO BE REMOVED AS IT WAS PART OF A MULTI STATE SETTLEMENT, SANTANDER CONSUMER USA. THIS BANK SETTLED TO CLOSE LOAN COMPLETELY AND REMOVE FROM ALL CREDIT REPORTS. IT WAS ALREADY REMOVED FROM OTHER BUREAUS, BUT STILL SHOWING IN XXXX. CURRENTLY UNDER DISPUTE SO IT CAN BE REMOVED. I ALSO NOTIFIED SANTANDER CONSUMER USA DIRECTLY, and no response was given. IT IS NOT A A CHARGE OFF.
|
| 01/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander Consumer reporting to report as of XXXX XXXX. I was a named plaintiff in the Santander multistate lawsuit. They are not allowed to report on the accounts from XXXX - XXXX. I am asking to have the late payments removed from my credit. I opened a dispute and they chose to update information rather than delete.
Please remove late payments and the account from my credit file with Santander Consumer USA.
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
i sent the credit bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 11/24/2022 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Started paying an additional {$1000.00} per month towards the principal balance, plus the required payment. This was automatic deposited. Money did not go toward the principal and in fact no accounting of where it did go.
Trying to solve this for a long time. I am a XXXX Veteran who has had some medical issues for a while but am much better now. Need to know where my money went, no help at all from the Bank.
|
| 05/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
I have sent letters and/or called on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX requesting an itemized statement for all additional charges and why. My documents do not match what i have been told on the phone.
I am entitled to this statement, please send immediately as the loan matures XX/XX/XXXX with a balance of {$2400.00}
|
| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
Servicemember |
|
On XXXX XXXX applied for financing from Chrysler capital was given a preapproval letter for XXXX. After sitting in the dealership for hours the salesman came back and told me that I needed to put down XXXX for the vehicle. I had a trade in and after talking to another dealership the company cut my financing in half. I am XXXX veteran and this was extremely humiliating and embarrassing to my wife and myself.
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Chrysler Capital is reporting a charged off debt amount that I just don't understand. My contract stated that I was supposed to be done paying my car however, we did end up putting an additional month towards the end due to a skip a payment option. However, my last payment to them was XXXXXXXX XXXX XXXX That is what the contract said and I don't understand why they continue to report a charged off balance.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Im accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor my not treat a payment on a credit plan as late for purpose.
Your friend XXXX XXXX
|
| 11/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
Covid 19 happened. I lost over 75 % of my clientele and am trying to recover after having Covid multiple times. They told me they were going to charge the vehicle off. They never did and continue to call harassing morning noon and night. I'm tired of them calling. I told them if they want the car come knock on the door and I'll give them the keys. But, what they won't do is steal it. It's till my property.
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized removed
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
in accordance to the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states ; i have the right to privacy, 15 usc 1681 sec 604a sec 2 ; states consumer reporting agency can not furnish account without my instruction, sec15 usc 1666b states ; creditor may not treat a payment on a credit card account under an open and consumer credit plan as late, for any purpose.
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 10/30/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XXXX was taken out of my account on XX/XX/XXXXwhich was a scam I never recieved any item for money that was taken, 2nd XXXXtransaction taking {$150.00} from my account was never authorized by me at anytime, bank says they find no error I just had XXXX of my money given away bank declines to reimburse. These are known scams through XXXX, bank not honoring, then exactly how are they protecting my money?
|
| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15-U.S.C-1681 section 602 A states I have the right to privacy. A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance to the credit reporting act this creditor has violated my rights, under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 6048 A section 2 Consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B A creditor may not treat payment on a credit card account under an open end consumer plan has late for any purpose
|
| 01/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I was current on my car payment before I reached out to Santander and asked for a payment accommodation due to XXXX XXXX XXXX which was granted by Santander, I was surprised when I check my credit report and Santander still reported my account late after I reached out, asked for accommodation and explained my financial situation due to the of XXXX XXXX Account # XXXX 60 Days Past Due ( XX/XX/2020 )
|
| 10/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX : SANTANDER/XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX : XXXX XXXX Account Number : XXXX XXXX
|
| 01/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I paid for a warranty for this car, Santander consumer stated that the warranty had cancel after to the car was in auto shop month in half, Santander knew about the issue with the car and welling to provide assistance to service the car. I spoke with several rep and no resolution .This car is not in woking condition to be driving XXXX is reporting inaccurate and wrongly balance to my credit report.
|
| 11/24/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
On XX/XX/2023 i made a payment electronic bank to bank, the bank never recieved, i requested return my money they said they can't. Now they sent me a verification file number, transaction number and address, this address is not bank in this address, i being calling XXXX times to try to get help with this bank i have not help, i do not know where my money is i paid {$810.00} dollars i need a help.
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved
|
| 11/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
|
|
Web |
|
|
I gave a dealership {$2000.00} down payment but they only put down {$200.00} which made my interest rate and monthly payment go high. Told them I couldn't keep up with the payments so the car got repossessed. Because of the dealership mistake I wasnt apple to pay off the monthly payments and now the car of gone, I dont have money to pay of the remaining balance the finance company is asking for.
|
| 05/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
XXXX XXXX short paid Santander USA. Santander didnt notify XXXX XXXX or myself that it was a balance still due. Santander continued to report delinquent instead of reach out by phone or via letter. Im requesting Santander to correct the credit reporting remarks and account status to reflect closed and not closed charge off. They even released the title to XXXX XXXX knowing they were short paid.
|
| 11/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below CHRYSLER CAPITAL XXXX
|
| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander USA repossessed the vehicle in XXXX during time in which COVID was prevalent. I lost my job and could no longer afford the payment. Santander repossessed it and the damage to my credit report is making it difficult to get into a rental home. I should have been protected during the COVID years from this and I explained that to them but they refused to listen or work with me in any way
|
| 06/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have inquiries that I dont recognize and I call the company and when I speak to a customer service they said someone is going to get back to me and they never do Name of the company is XXXX. Santander XXXX XXXX. XXXX XXXX Santander XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this company run my credit the same day I dont recognize them and the day was XX/XX/2021
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I paid off my auto loan with Santander Consumer USA in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from Santander. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my XXXX and XXXX credit reports.
|
| 10/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I sent a letter ( which Ive included ) to Santander regarding this " charge-off " they are reporting. This vehicle was totaled in a car accident, and I also submitted the documentation to them showing everything was paid by insurance and the amount that I had to pay was debited out of my account. ( also included in attachments ) Santander has yet to respond to me and it's been over 3 months.
|
| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Older American |
|
Im accordance FCRA. This creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy.
Under 15 USC 166N A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 USC 1681 604 ( A ) Section 2 A consumer reporting agency ( CRA ) can not furnish an account without my written instructions.
|
| 09/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
The escrow shortage is due to the covid deferral. The shortage was rolled into my NEW loan and spread over the new loan term. This was supposed to prevent hardship of having to pay it all at once! I can not afford a {$3600.00} increase for the next 12 months. Santander Bank is trying to recover escrow storage twice. Once thru my new Loan and now thru a $ XXXX increase in escrow!
XXXX XXXX
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with FCRA, Fair Credit Reporting Act, this creditor has violated my rights under 15USC 1681 section 602 states I have a right to privacy.
604A Section 2 states consumer reporting agency can not furnish an account with out my written instruction. Under 15USC 1666B a creditor may not treat a payment on a loan account under an open consumer credit plan as late for any purpose.
|
| 12/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account Santander Consumer USA, # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Total amount also was increasing as loan was being paid off.
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
AS I WAS VIEWING MY CREDIT REPORT I NOTICED INQUIRIES AND ACCOUNTS THAT DO NOT BELONG TO ME. IVE HAD MY WALLET PICKED FROM ME NOT TOO LONG AGO AND I WORRY THAT PERSONAL INFORMATION IS BEING MISUSED. FOR INSTANCE : COMPANIES- XXXX XXXX XXXX XXXX {$2900.00} CHRYSLER CAPITAL XXXX {$19000.00} INQUIRIES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
XX/XX/XXXX purchase a XXXX XXXX XXXX from XXXX XXXXThe loan was service by Santander Consumer USA. XX/XX/XXXX I was picking up the vehicle, and there was a problem... and I left the vehicle at the dealer. After contacting Sandtander I was told the dealer started the loan unwind but never complete it. I have contacted both Sandtander and the dealer several times and to date no resolution.
|
| 10/03/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My son XXXX XXXX is deceased since XX/XX/XXXX. They came and repossessed the car with all my son, daughter and grandson possessions without notification. I spoke with them approx. XXXX XXXX last year when I was told to email death certificate. I did. Santander contacted me on XX/XX/XXXX to collect on a deceased person debt. This is harassment. I have seen several calls from this company.
|
| 08/29/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American |
|
{$950.00} was withdrawn from a checking account by an XXXX XXXXXXXX. I do not know this person at all. This money was taken by fraud. The bank said I authorized this transfer, but I didn't. The bank sent my husband an alert after the fact. this is Santander Bank. The bank told me they have nothing to do with it. My husband and I have spent many hours with the bank trying to resolve this.
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
|
|
Web |
|
|
THIS COMPANY HAD NO PERMISSION TO ACCESS MY CREDIT FILE. NOR DID THEY HAVE PERMISSION TO REPORT THIS BY LAW. I DISPUTED WITH THIS COMPANY AND SHOWED THEM WHERE THEY VAILED THE Fair Credit Reporting Act " FCRA '' AND DEMANDED THAT THEY DELETE THE INACCURATE AND INCOMPLETE INFORMATION OFF MY CREDIT FILE AND DEMANDED THAT THEY PROVIDE COMPENSATION BASED ON THE " FCRA '' IN CIVIL LIABILITY.
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A Charge off account on Santander Consumer USA auto loan with account number XXXX, opened on XX/XX/2015, and a balance of {$0.00}. This item is on my XXXX credit report and I tried removing it numerous times, however, it was unsuccessful. I have never took out an auto loan from them, in-fact, I was not even in the country XXXX they are violating the Fair Credit Reporting Act ( FCRA ).
|
| 01/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Loan company repossessed my vehicle after repossession loan company never send me any letters or paperwork about my vehicle or where can I go to pick up my vehicle possessions that I had insideLoan company repossessed my vehicle after repossession loan company never send me any letters or paperwork about my vehicle or where can I go to pick up my vehicle possessions that I had inside
|
| 10/12/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
To whom it may concern, I have sent XXXX XXXX XXXX by certified XXXX on XX/XX/2022 requesting validation of account by law proof of said account that I owe XXXX or had any legal obligation to pay them.
It's now been over 30 days the required time limits for this account and I have not been provided with any proof by this company on paper bearing my signature that I legally owe them.
|
| 07/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have written to this company and the collection company they sold my debt to they wrote back to send it to another address of theirs.
I provided my XXXX XXXX debts showing they were on it and I have provided the discharge documents to them On one credit report, it shows charged off in collection XXXX on XXXX, it shows included in bankrupt but not discharged XXXX shows discharged
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am victim of an identity theft, I don't know who but someone stole my information and opened a fraudulent account under my name, first of all I don't have any credit, I don't know how this account was opened under my name, I don't know how the payments were made but didn't come from the account that belongs to me. I need this fraudulent account to be removed from my credit proflie.
|
| 10/21/2022 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
On XX/XX/2022, someone used my card for a purchase of {$3800.00} from XXXX XXXX. I started a claim regarding this issue and was denied by Santander Bank. The bank won't give me the transaction details etc tracking number, name, phone number of the package. They only told me the merchant provided delivery confirmation but i never receive any package. Please help me resolve this issue.
|
| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander is reporting XXXX late payments on my account : XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. I have attached a payment confirmation proving that a payment was made in XXXX. This late payment is inaccurate. The vehicle was sold in XX/XX/XXXX and I no longer had possession at that point. The account was paid in full and was NOT late in XX/XX/XXXX. This is also inaccurate.
|
| 04/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We sold our house in XX/XX/2022 ( 13 months ago ) and have been fighting with Santander bank to get back our escrow money. Every month they need a new form completed or something else done to supposedly mail us the refund of our escrow. They have an excuse every month why they didn't us our money. The mortgage was paid in full - there is no reason to hold our money for over a year.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I contacted XXXX and Santander Consumer USA , INC about account number XXXX that was opened XX/XX/2020without my knowledge I submitted a copy of my police report and ftc identity theft affadavit but they denied it and said it was accurate information. I was active duty status during the time this account was opened I contacted and they refused to block and or remove this account.
|
| 03/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I paid off my auto loan. I called the lender for the payoff amount. I sent a certified check for the payoff amount. I called the lender and asked had it been applied, it had not. I asked would I be penalized if applied late, they said no. The last payment ( the payoff amount ) was the only payment ever marked late. I do not want to be penalized for this. I was paying off the car.
|
| 12/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Older American |
|
I lost my job. Charge me to much interest rate on the vehicle. The company is Santander consumer USA. And they told me that the loan was sold yo another company and it is still on my credit report. And I also have some hard and soft inquiry on my credit report that I am not aware of and I cont these company and wrote letters to ask can they please remove all off my credit report.
|
| 08/21/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My phone was stolen in XXXX at around XXXX XX/XX/2023. I noticed transactions were being made after calling my bank. Claim was started with Santander bank for 3 claims in the total amount of {$8000.00}. Today I receive notification that my claims were denied due to inconsistency. My phone was stolen and money was transferred out of my account and it wasnt done by me. Please help
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander 's bank has reported that my loan payments were late and all my payments have been on time. I recent submitted a dispute with XXXX and provided them with deposit records of all the months they Alleged were late.
XXXX XXXX XXXX XXXX XXXX
I tried to get a copy of the transaction for XXXX I was unable to get obtain one from the bank regarding my deposit for that month.
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
please see attachement santander has contuined to report false, misleading and decepitive acts and violation even after serval attemtes to correct the matter. this company has done this time and time again please see attached civil action and CFPB lawsuits where santander ADMITS to this wrong doing and yet contuies to violte my consumer rights and distroy my finical well being.
|
| 12/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Older American, Servicemember |
|
I am a XXXX XXXX XXXX and purchased a XXXX XXXX XXXX from XXXX XXXX in New Jersey. The car was {$13000.00}. I put down {$3000.00} and I was told that the payments would be about {$200.00}. After signing the paperwork I was told that the payment would be {$400.00}. I am on a fixed income and I fell as though I was taking advantage of. The bank that issued the loan was Santander
|
| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Santander Consumer USA is sharing my nonpublic personal information with nonaffiliated third parties. Santander consumer USA does not have my consent to have and share my private personal information. then, the information that they are reporting is inaccurate and false. They are violating my rights to privacy as a consumer, and they are in violation of multiple federal laws.
|
| 07/17/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
I previously filed a complaint with CFPB with Santander ( case XXXX ). They responded on XX/XX/XXXX that they removed me from receiving solicitations in XXXX however this past Saturday ( XX/XX/15 ) I received a solicitation ( attached ) for a credit card from them. They clearly have a suppression problem and are violating Do Not Solicit Laws. This is now becoming harassment.
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
XXXX I bought a car in XXXX because of separation because my ex exposo he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to bu
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have a few inquiries on my credit from XXXX, XXXX XXXX SANTANDER, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TWICE.. I did not authorize these inquiries XX/XX/ 3 of them XXXX XXXX, XXXX, Santander. Was told to contact the credit agency they say contact the inquirer its just been a back an forward thing.. no I have fraud alert on my account for a year..
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I had XXXX credit cards opened in my name that I did not know of, this is affecting my credit report because it is incorrect information that is being used.
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone bought a car under my name and there was lots of inquiries under my credit report now I have invalid debt on my report showing XX/XX/2021 2021
|
| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The letter tells the debt collector to stop contacting me unless they can show evidence that I am responsible for this debt. Stopping contact does not cancel the debt. So, if a debt collector still believes I am really responsible for the debt, they could still take other action. For example you still might be sued or have the status of the debt reported to a credit bureau.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
To whom this concern, I am in the process of buying a home, and during that process of getting prepared for the process, I realized I had some damages on my credit report. I have no knowledge of these hard inquires that has been reported to my account. According to the 15 USC 1681 Law there should not be any damages on my credit report, as its a defamation to my character.
|
| 03/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
The company is having agents call make arrangements for payment falsely and deceitfully assign the vehicle for repossession after claiming they would make sure the car doesnt fall into repossession and the payment plan was valid the car itself is disabled from vandalism and theft and they are unwilling to take into consideration the customers needs for assistance.Thankyou
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Kindly note that the presence of this information contradicts the regulations set forth in 15 U.S. Code 1681i ( 5 ), which specifically addresses the removal of inaccurate or invalidated credit information. As such, I respectfully request the immediate removal of this data.
According to my records : 1. XXXX 2. Chrysler Capital 3. XXXX XXXX XXXX XXXX 4. XXXX. XXXX, XXXX
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2022, I notice an unauthorized inquiry on my consumer report from ( SANTANDER CONSUMER USA ) company. I requested that they send me the written " Permissible Purposes '' document with my signature, with no response or explanation. I suffered injury to my consumer report and score. 15 USC 1681b " Permissible Purposes '' must be given by the consumer and no other.
|
| 11/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
on XXXX XXXX XXXX XXXX a living woman, had a loan done with XXXX on XX/XX/2022 she put a deposit over the phone for a hold on a XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX the credit report states a loan for the XXXX of XXXX on XX/XX/XXXX Santander opened an account for a loan. a XXXX XXXX was made on the vehicle in a credit transaction. no rescind act. no truth and lending act
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
In accordance with " The Fair Credit Reporting Act XXXX XXXX', Santander Consumer USA on XX/XX/2021, has violated my rights by way hard inquiry on my credit report. 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I bought a car in XXXX because of separation because my ex XXXX he did not want to continue paying the car of which I stopped paying three months in XXXX and I knowing that I was not making the payment I took it off and what I did was take the responsibility of paying the car and from which I have been making the payments month by month and I am not late I want to buy
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
|
| 01/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had a fraudulent ACH transfer out of my account for {$5000.00}. I was notified and immediately called the bank to stop the transaction and lock my account. The bank failed to stop the transaction and lock my account.
They allowed the transaction to post the next morning even after calling the night prior within 15 minutes of the fraudulent transaction occurring.
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
SANTANDER CONSUMER USA Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accordance with the Fair Credit Reporting act Convergent Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency furnish a account without my written instructions.
|
| 03/30/2023 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I have been trying to close my deceased mothers account I have visited 3 times and called once. Each time I am told a different set of requirements. I have submitted death certificate and order from the probate court. To no avail. It appears to me they are purposefully making difficult to close this account to keep account at a very low rate. .05 %. Feel unfair.
|
| 09/22/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX literally blatantly told a lie and stated Santander verified the debt as accurate when they just told me that they can not find the debt. So someone is lying personally I do not care who is lying. I attached both repsonse which doestn make sense because how can they be verifying the debt with XXXX but telling me that they can not find or locate the debt.
|
| 06/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
Chrysler Capital have attempted to sue me for a debt that has been charged off within their system. They have also not validated nor responded to previous disputes or cease and desist notice received XX/XX/23. ( See Attached Exhibits ). The reporting of this account on my consumer report is causing me harm and and restricting my ability to utilize my credit.
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I am a victim of identity theft and have a police report as well as an ftc report to support my claims. I have requested XXXX to delete and block a Santander Consumer account as someone had used my information to get a used car. My complaint is towards XXXX credit report agency as they refuse to remove it despite my proof of being a victim of identity theft
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have reached out to these creditors individually over and over XXXX Child support, XXXX XXXX, and XXXX
and none of them have responded nor have they removed or verified these fraudulent accounts on my credit reports The 15 U.S. Code 1681c2 - states that you need to Block of information resulting from identity theft. You have violated and failed to do so.
|
| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Identity theft is the intentional use, possession, transfer, or attempted use, with fraudulent intent, by any person of any personal identifying information of another person to obtain, possess, or transfer, whether contemporaneously or not, credit, money, goods, services, or any thing else of value without the authorization or consent of the other person.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2023 said I owed money on loan an I never was aware of it. That it was paid an once I found out I still owed then they closed the account as paid. But on my credit report it's still says written off. Which needs to get removed it's hurting me to get a new loan.
Loan company is called Santander XXXX XXXX tx XXXXXXXX XXXX was owed an I paid it. XXXX.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have tried to correct an error made by a credit repair company which submitted a fraud report to Santander and caused them to stop reporting my account to the credit agencies. I have called the credit agencies and Santander to fix this. Santander has determined that they would not resubmit my account to the credit agencies due to the false fraud report.
|
| 02/10/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Title loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
Sandtander ConsumerUSA, was sent XXXX XXXX and proof of all payments were made on time and no late fees should have been added to my account. I also sent proof of payments history to Release my car. I have overpaid the loan XXXX {$10000.00} ; due late charges, interest added to my installment. I notice the error in 2017 ; and have disputed the balances.
|
| 12/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I had a car loan with Santander consumer USA. My first late payment was in XX/XX/2015. I had asked them to up date the information as it will be coming off of my report soon and they went back into their records and put that I was never late. I honestly had a difficult time paying this company and I later found out that they were a predatory lender.
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This request is about information that is reported on my personal credit report from the credit bureaus listed above. I am formally disputing this account and I am requesting validation of this account. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION.
SANTANDER CONSUMER U XXXX Balance : {$19000.00}
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have consistently tried to remove incorrect information from my credit report, by disputing with XXXX, XXXX and XXXX. There are two closed derogatory accounts on my credit report that do not or did not belong to me. They are Santander Consumer USA and XXXX XXXX XXXX. I am a victim of identity theft going back to the early XXXX and forward to XXXX
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
We had some late payment on out account due to the Covid 19 Pandemic. we could never catch up and it kept being 30 days late, we have since traded it in to stop from being 30 days late. it was hurting our credit to have all of these 30 day late payment. our household was effected and we did have to quarantine a number of times being a family of 4.
|
| 04/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have made reports for the police in XXXX when purse was taken in which contained documents with my information and i got a letter from a pervious employer in XXXX that my information had been compromised. There are reports of places I never lived in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ms XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX
|
| 06/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem related to refinancing
|
|
Web |
|
|
Acct number XXXX On or about XX/XX/2021 my XXXX XXXX was repossessed and later sold at auction and is currently listed as a Paid/ Charge off on my consumer reports. I have not However received a 1099c tax form.
I am requesting that this document be sent to me via mail to address XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX within the next 15 days.
|
| 09/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXXXXXX XXXX XXXXXXXX nh came and I filled out info to see if I qualified to co-sign for an auto loan for my daughter. Was never notified of contract. I would have never agreed to Contract if I had know terms of said contract. They returned and said they needed additional info. They deceived me and never explained terms of contract.
|
| 05/30/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I opened this account on XX/XX/XXXX at XXXX XXXX, since I opened I never receive the debit card and also the pin. I tried to request trough the online banking but I was requested to call customer service, I called customer service and they cant do anything.
This is the second issue since I opened the account so please fix all with my profile
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are hard inquiries on my credit reports that i did not authorize. I am a victim of identity theft. I have attached a copy of my police report. I ask that these be removed from my credit report immediately.
The inquires that i did not authorize are : XXXX XXXX XX/XX/2022, XXXX XXXX XXXX XXXXXX/XX/2022, SANTANDER CONSUMER USA XX/XX/2022.
|
| 07/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
violated repo laws The Nevada Revised Statutes detail what specific information the notice must include. For example, the notice must : Itemize the loan balance, repossession costs, and any other costs or fees related to your default.
show proof that i received it time stamped in date Never received right of redemption i never received it!
|
| 09/08/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
We already did this, XXXX XXXX total XXXX XX/XX/2022. I never oked these transactions. They have denied. me again and still have not sent me the emails. There are no emails, I did not ok anything. Asked them how they can keep from giving back the money, with no emails. They said it was your card. It was my card, that obviously got hacked..
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
this morning I check my credit report and notice that XXXX has opened an inaccurate account ( SANTANDER CONSUMER USA ) that has been closed since XXXX, has damaged my score, and caused me great harm. I would like for the account to be deleted from my credit report. and Santander Consumer Usa hasn't gave me my disclosures, per 15 usc 6802b.
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I am disputing this Santander account.
due to so much inaccurate information.
Reporting date " last active '' with XXXX XX/XX/2018 but tho other two bureaus are reporting XX/XX/2018 and XX/XX/2018 I am aware that Santander were in trouble with the CFPB for predatory lending I am a victim here and the exact same thing is happening to me.
|
| 07/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
during the Pandemic, i got really sick, laid off and got behind at the end of my car note somehow they had me to sign a new contract. now a car that took five years to pay off added 5 more yaers and a whole XXXX i have already paid the XXXX, now the car is in the shop 5 years later i dont have the money to fix or pay another XXXX dollars
|
| 02/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
IVE BEEN A VICTIM OF IDENTITY THEFT, SOMEONE WHO STOLEN MY IDENTITY OBTAIN A LOAN WITH XXXX XXXX XXXX Original creditor : CHRYSLER CAPITAL OPEN ON XX/XX/2018 IVE TRIED COMUNCATE WITH THEM REGARD THAT FRAUDULENT ACCOUNT NEVER GOT A RESPONSE FROM THEM. I WROTE LETTERS AND HAD TO MAKE A POLICE REPORT MAIL IT TO THEM AND NEVER GOT A RESPONSE
|
| 11/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report.
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This request is about information that is reported on my personal credit report from the credit bureaus listed above. I am formally disputing this account and I am requesting a validation of this account. I want to stress that this letter IS NOT a request for VERIFICATION, but a request for VALIDATION.
SANTANDER XXXX Balance : {$0.00}
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan ad late for purpose.
|
| 12/04/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Voluntary repossession
|
|
Web |
Servicemember |
|
I purchased a vehicle in XXXX of XXXX Santander finance it. I put down XXXX in XXXX the motor went pripr to that i had spent over XXXX in repairing it. Once the motor locked i ask them to come puck ut up because u couldn't pay on a tore up car plus try to get another car. They claim they auctoned the car off and still say i owe XXXX
|
| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
SANTANDER BANK XXXX XXXX XXXX XXXX.
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company.
SANTANDER BANK HAS COMMITTED Securities Fraud and mortgage fraud and identity fraud. SANTANDER BANK taking Securities out on my name without my content which is identity thief, Securities fraud and mortgage fraud.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I have a mortgage with Santander Bank, which I have paid off. They say I owe more however they refuse to tell me how much is owed. They reported me to the credit bureau ( s ) for being late. They did not give me any answer to my questions. I want my questions answered. They did not inform me they were reporting me to credit bureaus
|
| 11/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I feel Like my lender took advantage of me and took out a loan on the car that way exceeded the value of the car. Financed it at a very high interest rate with extremely high fees. Im unable to refinance my car after multiple attempts. They were definitely not looking out for me when I took out the loan. I feel like its predatory.
|
| 02/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I sent out certified mail to the collector that now has my charged off debt/collection. Its been 30 days and no one has got in contact with me about the collection. I asked for verification of the collection and have yet to be notified of any information. I would like for this false information to be removed for my credit report.
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately SANTANDER XX/XX/XXXX Balance : {$18000.00} XXXX XXXX XX/XX/XXXX Balance : {$22000.00} XXXX XXXX XXXXXX/XX/XXXX Balance : {$560.00} XXXX XXXX XX/XX/XXXX Balance : {$12000.00}
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Over XXXX hard inquiries on my credit report that I did not make : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Santander consumer USA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/23 I have made a full report on XXXX XXXX XXXXXXXX
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have requested additional information about these fraudulent accounts that were applied for and opened in my name without my consent. I have attempted to get the companies to respond back several times.
Company : SANTANDER CONSUMER USA XXXX XXXXXXXX. TX XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( {$12000.00} )
|
| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I am not liable and should not be held liable in any form for this debt with Santander Consumer USA. The loan is outdated and 100 % paid off and needs to be removed from my credit report immediately.
15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without written consent
|
| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
on XX/XX/2022 I went to a Dealership when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.
|
| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I asked the latest escrow statement to Santander bank.
They promised to send it via regular mail a month ago but I never received.
All other banks provide that simple letter almost instantly but Santander is not sending what I need. this is really frustrating and don't know how to get the document i need from Santander bank.
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Santander reported a late payment in XX/XX/2022. In accordance with the Fair Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a report without my written instructions.
|
| 01/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
CHRYSLER CAPITAL sold my information To XXXX XXXX XXXX and both are reporting on my credit as reopened and damaging my credit scores. This loan was opened back in 2015 and its been 7 years both should be deleted from all 3 bureaus. I have sent certified letters to all 3 bureaus to solve this problem and nothing has happened.
|
| 03/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
|
| 09/30/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Santander Consumer USA repossessed vehicle without notice, payment was demanded to retrieve personal belongs, and under the laws of the State of Florida, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to.
|
| 02/23/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
My identity was stolen and the fraudster took out a loan in my name from Santander bank. I have since returned the money in full but Santander continues to send me bills and claims that I still owe them. I have tried to reach out to Santander bank but they are not removing this fraudulent transaction from my credit report.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a late payment showing up on my account. I was never late so I'm not sure how this got there but it is effecting my score and my ability to get the best rates on a home loan. The account has since been paid and gone but i would like the late pay removed or show me how i was ever late since i was on auto pay. Thanks
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Account was paid and closed out.
Credit bureau still reporting balance and status as deogotory. Credit report contain incorrect active dates and balances and active status. I will attach below proof of I corrected items.! Please let company know to send and upload any information they have that can justify there response
|
| 04/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
some unknown person open a auto loan in my name I reached out to said collection company / creditor to make them aware of the identity theft, this item has still not been removed from my credit file I also sent supporting documentation regarding the fraudulent account that was established in my name, without my permission
|
| 09/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I called customer service many times to request a new debit card and all the calls the answer was " go to a branch '', something is not possible because where I am now there is no branches near, even there is no branch on this state.
Also I tried to request the new debit card trough the online banking without success...
|
| 11/09/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report.
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
|
| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In reviewing my credit report, I found that there were several fraud accounts and addresses listed on it. I will list the account and the amounts also the addresses.
XXXX XXXX Santander Consumer USA Opened XX/XX/XXXX and amount {$18000.00} Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX GA
|
| 11/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Yes I tried to fix this problem more than once and XX/XX/XXXX again in XXXX also XXXX. Then I get a letter from XXXX, XXXX and XXXX stating that my personal information has been compromised so my credit report and score is incorrect.So this information needs to be fixed immediately before I file an lawsuit against them.
|
| 03/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Santander Consumer USA keeps adding bad results to my report. I have asked them to validate account with original signatures and or signed papers and they still have not done so. As a consumer they violated not being able to proof it therefore Im demanding them to delete this account off my credit report like yesterday
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, XXXX, XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 12/31/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I feel I was pushed into this car loan when the dealer was well aware that I couldnt afford it. Ive tried getting extensions with them Ive been denied. Ive asked for a copy of my contract and they wont provide it. The payments are extremely high and so is the interest rate. XXXX XXXX down on this loan with no relief
|
| 10/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Older American |
|
XXXX Follow up.
Santander did nothing to help me. I was able to sell the car for more than amount of loan Santander wrongfully refused to transfer title repossessed vehicle and ruined my credit and did not use commercially reasonable means to repossess car, sell car and never provided me with an itemized statement.
|
| 01/07/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
inaccurate information balances dates has been reported of my credit report SANTANDER CONSUMER USA
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander has been reporting account below status as a charge off for the past 5 years but never received 1099-C for this bad debt charge off. Failure to provide that documentation for this account is a violation of rights under FCRA and is causing harm.
Account XXXX XXXX Attached is reporting payment history
|
| 03/25/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
in XXXX i purchased a used car from XXXX XXXX it was financed through Santander.
XXXX XXXX XXXX XXXX XXXX, Texas XXXX. Around the time of XXXX we found out the our Loan was a charge off. Closed on XX/XX/XXXX with a balance of {$2700.00} I am not really understanding, because there is a Loan Amount on our CREDIT
|
| 11/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I had a lease with Chrysler Capital. The payment was about {$1000.00} per month. I leased another vehicle and paid off the loan. It was overpaid by at least {$1000.00} on XX/XX/23. I had to make the last pymt to avoid being late. Chrysler Capital knows its paid off and has a policy to keep my money for 60 days.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had a loan for a car from Santander consumer.
The car was in a accident and the insurance company decision was that the car was a total lost. The insurance payed the car off however, on my credit report its reflecting late payments which never occurred. I am requesting this account be deleted from my report.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I noticed a XXXX XXXX XXXX registered under my name as I was paying for my license online. I immediately cancelled the registration. I immediately filed a police report for identity theft and contacted XXXX in XXXX. I also recently located the vehicle at a family members house and made a stolen vehicle report.
|
| 12/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights.
15 U.S.C. 1681 Section 602A. States I have rights to privacy.
15 U.S.C. 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Santander XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
My credit report is showing late payments to SANTANDER BANK N.A. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or SANTANDER BANKs customer service representative.
|
| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting Act XXXX Account # XXXX Santander consumer has violated my rights 15 U.S.C 1681 Section 602 A, States that I have a right to privacy 15 U.S.C 1681 Section 604 A, Section 2. States A consumer reporting agency can not furnish A Account without my written instructions
|
| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer furnish account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
Older American, Servicemember |
|
My vehicle was repossessed on XX/XX/19. When I purchased the vehicle the air- conditioning system did not work. The salesman assured me that the problem would be corrected. It never was, the salesman quit the job and the dealership went into new management. The new owners would not work with me on any level.
|
| 04/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I have a vehicle financed through Santander Consumer. And my payments are {$450.00} per month... .and only XXXX cents is being applied to the principal per month. This is very disappointing and should be illegal in California. I purchased the vehicle XXXX XXXX. Please help me comprehend this loan agreement?
|
| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Santander Consumer US, a subsidiary of of XXXX XXXX was apart of a national lawsuit involving unfair and illegal tactics handling, updated and furnishing inaccurate information regarding consumer reports and information. Please DELETE from all consumer reports IMMEDIATELY.
SANTANDER XXXX XXXX XXXX XXXX
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After checking the information that's being reported on my most recent credit report, I noticed two inaccurate late payments that are being reported on my credit report for my auto loan account which was never late.
Santander Account # XXXX 60 Days Past Due ( XX/XX/2020 ) 30 Days Past Due ( XX/XX/2020 )
|
| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Santander paid in full but currently reporting to all three bureaus as written off charged as bed debt which is deformation to character and livelihood when trying to apply for a mortgage. Also reporting inaccurate under FCRA 611 ( 5 ) A & 15 USC 1681 also involved in a lawsuit in violation of USCC CODE
|
| 11/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer.
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
|
| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I disputed an account on my XXXX profile that had been DELETED by XXXX and XXXX. Wrote a follow suit letter to XXXX and they have yet to delete the account. By law information should be correct across all XXXX bureaus. XXXX has it still reporting to my credit profile as closed but it should be deleted.
|
| 11/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
Someone used my Information to open a Carloan with Santander some years ago Ive been going back and forth with them and the Credit Bureaus showing this isnt me and they are still saying its me and keeping this on my Credit report Ive never purchased a car though them nor have I allowed anyone else to.
|
| 04/14/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I am seeking your help to be reimbursed {$4200.00} from Santander Bank, N. A. for a charge to my mortgage escrow account on XX/XX/2022. Santander paid the {$4200.00} from my escrow account claiming that there was a lien on my property. I found no record of this with the XXXX XXXX Ma Registry of Deeds.
|
| 07/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Santander consumer was involved in a class action lawsuit there was a judgement passed down violated the uniform commercial code under 28 u.s.c {$1400.00} ( a ) as a result of the lawsuit any detorgation has to be removed from the credit report also for unfair treatment for violating consumers rights
|
| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I contacted Santander Consumer USA on XX/XX/22 to settle this account and was told that my credit report would be corrected if I paid the settlement amount which I did do ; however, Santander did not keep their word and refused to make any changes to my credit report causing me great undue hardship!!
|
| 04/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Excess mileage, damage, or wear fees, or other problem after the lease is finished
|
|
Web |
|
|
I had a lease with Santander consumer USA and the car came with a factory defect which the car had to be return and was lease with another company but Santander keeps charging me and bring me credit score down my solution is to remove this from my credit since the car is not in my ownership any more
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
i am victim of identity theft. the information listed below, which appears on my credit report, does not relate to any transaction that i have mad. it is the result of identity theft.
please block this information from my credit report according with section 605B of the fair credit reaporting act.
|
| 01/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I was given false and inaccurate information about my finance charge and was told I had to pay {$20000.00} on a consumer credit transaction, after approval pursuant 15 U.S.Code 1605 Determination of a finance charge being the sum of all charges when in connection with a Consumer Credit Transaction,
|
| 01/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I was told if I paid XXXX my account would be current. I paid the amount and continued making my payments as normal.
XXXX now says that I should have paid XXXX more than I was told to bring my account current.
The two agents that told me the XXXX would bring my account current were not correct.
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
SANTANDER CONSUMER USA, Account # XXXX Is reporting inaccurate information on my credit report, FCRA Law states Furnisher 's must report accurate information with all credit bureaus. Please remove or delete account INACCURACIES 1.BALANCE 2.LAST PAYMENT REPORTED 3.LAST DATE ACTIVE 4.PAYMENT STATUS
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
This company is reporting and inquiry on my credit profile that I do not recall submitting! I have reached out to this company by mail and the company is non compliant, also there is no active account on my credit profile indicating that I made this inquiry! I demand the deletion of this inquiry!
|
| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have yet to be informed by Santander Consumer about the change in my account status to charge off, which has had a detrimental impact on my credit. It is imperative that this is expunged from my XXXX, XXXX, and XXXX reports without delay. I insist on immediate action. Union reports immediately.
|
| 03/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
on XX/XX/XXXX, Santander Consumer USA released the lien on the XXXX XXXX XXXX. they stated the lien was satisfied. they also released the title. I demand this entire account be deleted due to inaccuracies. pursuant 15 USC1681B, I do not give Santander permission to furnish fraudulent information.
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
SANTANDER CONSUMER USA - XX/XX/XXXX - {$350.00} XXXX - XX/XX/XXXX - {$0.00} On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.
|
| 12/28/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I was trying to do a deferment on my loan with Santander and keep telling me no all i have wanted is to move XXXX missed payments to the end of the loan and was told i couldn't this is not fair to me. I'm working on trying to fix my credit and can't because they keep reporting im XXXX days late.
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have a hard inquiry dated for XX/XX/2023 and on XX/XX/2023 for XXXX XXXX.
I have a hard inquiry dated for XX/XX/2023 from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND SANTANDER CONSUMER USA. I didn't apply for anything to have these Inquiries on my credit report, Could you please remove these.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander consumer reported my account 30 days late for the months of XXXX, XXXX, and XXXX when account was in fact paid. I have statements from Santander that show account was paid before the due date. This is not the first time Santander has falsely reported information to the credit bureaus
|
| 09/19/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
|
|
I applied for HAF program through Massachusetts. I sent all the information needed for review. Santander Bank refused to send my payoff with the deadline so my application was denied.
Can you please investigate this matter and ensure that I receive my HAF.
Thank you.
XXXX XXXX XXXX XXXX
|
| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I did not sign any agreement that SANTANDER could furnish my personal information to any company. This is a clear violation of 15 USC 1681B ( 2 ) AND this is also Identity theft. The report of six late payments to my account XXXX is not verified and is a clear violation of 15 USC 1681A ( 4 )
|
| 06/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
Ive contacted Chrysler Capital numerous times and left many messages. I told them that I return the car over a month ago, and Ive receive my down payment back. Chrysler Capital has not closed the loan account and is still requiring me to make payments on a car that I do not own, nor possess.
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I tried my best to contact these companies through the credit bureaus and I haven't gotten any response. It feels like I'm being ignored. It's been over 90 days and I've heard nothing. I don't know what else I'm suppose to do. There are a bunch of inaccurate accounts reporting to my profile.
|
| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem with product or service terms changing
|
|
Web |
|
|
im a victim of fraud none of these accounts are on my concern, I am affected with my credit score, I need to fix the as soon as possible according with the law pursuant to section 605B of the fair credit reporting act, and send the required notification to all furnishers of this information.
|
| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
|
| 04/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2018, the account number is XXXX. I've contacted the company, and nothing was done yet this money keeps going up in interest and this is still on my credit which is hurting my credit and good name.
|
| 11/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
Good evening, I was recently informed of the Servicemember Civil Relief Act as it pertains to Louisiana residents and my current auto loan falls under the jurisdiction of this Act. I have the proper documentation and it has already been emailed to you. Thank you for all of your assistance.
|
| 10/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
On my XXXX and XXXX XXXX credit report I have XXXX XXXX XXXX stating that I still XXXX from a voluntary car repo where they eventually sold car and the statutes of limitation has now been over 7 years. It has cause me great stress with having this improperly remaining on my credit report.
|
| 12/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
We had an accident with the car and the insurance paid Santander in full, we received a lien satisfied letter twice. I have called several times because they are reporting it as a charge off which has damaged my credit. It's also impacting my financial life and limiting credit worthiness.
|
| 11/14/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
A fake company posed as XXXX and got my information to charge my card for a utility bill that was due. The amount was supposed to be {$100.00}. They charged {$220.00} on XX/XX/23. Made a claim with my bank but their investigation determined there was no error, but it was a fraud charge.
|
| 11/03/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American |
|
Requested forbearance XX/XX/XXXX. Requested loan remodification XX/XX/XXXX. Requested reevaluation of loan remodifcation XX/XX/XXXXXXXX service provider failed to respond. XX/XX/XXXXXXXX submitted HAF application service provider failed to respond to HAF by the deadline of XX/XX/XXXX.
|
| 05/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit scores on XXXX and XXXX went down 29 points each because it was reported I missed a car payment and my car loan balance went up. I have never missed a payment, I contacted Santander and the rep advised there was no notations of my total going up or late fees due to no payment.
|
| 11/04/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
It is my understanding the auto loan from Santander, qualified for it be removed and discharged due to the class action lawsuit.
It is my understanding I had a loan during the qualifying time period and met the parameters to have it removed as a victim of unfair credit loan practices.
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2023 i notice fraudulent activity on my credit file for inquiries from multiple banks all in one day for no reason of me i called XXXX to inform of fraudulent activity i was told steps to take to remove information i did each step today i see inquiries still show on my report.
|
| 05/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
I made a ACH payment which caught me up on my car payment then I did a debit hit me by mistake I'm asking them to refund me that payment so I can get by the rest of the month for my medication and other bills that I need to take care of and they're refusing to refund me that {$1200.00}
|
| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Santander Consumer Usa made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
15 USC 1681 ( 2 ) ( a ) ( i ) EXCLUSIONS FROM A CONSUMER CREDIT REPORT CLEARLY STATES the consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report.
I am requesting a reversal from " 30 '' to " OK ''
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR.
SANTANDER CONSUMER USA Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The company reported that the account was closed XX/XX/XXXX The company stated that the account has been charged off years ago and still shows a balance. According to consumer law all information must be accurate. The company has caused me to have financial and emotional distress.
|
| 02/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I asked for a copy of the original contract from chrysler capital and I did receive it. Upon confirming its legitimacy I found a discrepancy on the contract/account. For the past 7 years I have had an account on my credit report that is incorrect and/or has inaccurate information.
|
| 02/03/2023 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
I have reached out to Santander Bank multiple times to help me validate if a transaction in genuine or not. Santander Bank refused to help and I am a victim of a scam. If was information that they could easily track but refused to do so. This caused me to be victim of a XXXX scam.
|
| 05/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
Hey I was denied a credit extension through this company and by law they hall not refuse to extend a individual credit through them I know the underwriter making a deciding factor but it not a factor to Deny me a credit extension and that they are false advertising and misleading
|
| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I spoke with the Executive Office of Santander on XX/XX/XXXX! @ XXXXXXXX XXXX They reviewed my account XXXX of XXXX XXXX XXXX XXXX XXXX and confirmed payments, and released the title in our 1 hour and 27 min phone call. The check for the full payoff was received in XX/XX/XXXX.
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I reached out to Santander consumer USA to fix some false late reporting of my car payment. They have reported to the XXXX XXXX and XXXX XXXX that I made five 30 day late payments this is not correct. The vehicle was paid off early. 3 years earlier that it was supposed to be.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account does not belong to me, it has already been removed from my report previously, and the company continues to report this account to me, I have been a victim of identity theft. Please remove this account from my report, since it seriously affects me and is not mine
|
| 06/11/2023 |
Yes |
- Credit card or prepaid card
- Payroll card
|
- Trouble using the card
- Problem using the card to withdraw money from an ATM
|
|
Web |
|
|
On XXXX XXXX 2023 the Santander atm inside of XXXX XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX failed to dispense me XXXX The card I used is from a XXXX direct payment account. The full amount of XXXX been charged to my account and no money was received.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have been trying to get this derogatory off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
|
| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent account on my file that were deemed fraud by the FTC and local authorities.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The information reported is inaccurate. It is hurting my credit and in turn, hurting my lifestyle. Please get the following hard inquires removed.
XXXX XXXX inquiry date : XXXX phone : XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX? XXXX XXXX XXXX Inquiry date Phone : XXXX
|
| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There are 3 or 4 open credit reports all for same car loan ... that has been paid off for 2 years ... on my credit report.it states they are open and late... I've tried to have them fix it. They did fix a few but I still have 3 or 4 open reports that say I owe and am late
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
was naver late i hade no balance when i returend my car, theycame up after returning the car that i need to pay additional {$2800.00}, it was paid on XXXX out of my account, i gave in this comlaint already and thay took it off, and now they report it again on my credit,
|
| 07/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Wrote a XXXX letter and reach out to credit bureau and they have repeatedly Denied me and given me hard inquiries and also soft ones which are in benosed to me.
I was covered under gap insurance and send in letters paid over larger amounts on repeatedly buying stamps
|
| 03/25/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My insurance company paid the debt to Santander Bank and someone called me to verify the account and payment. I am no longer responsible for any debt and collection agency received notice to provide proof of my signatures with in 45 days of receiving notorized letters
|
| 12/13/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The IRS Clearly defines a charge-off as a certificate of indebtedness Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of this account inaccurate! They also violate my rights according to the Privacy Act of 1974.
|
| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The account is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in the accuracy and the reported payment history on this account is a mystery to me.
SANTANDER CONSUMER U XXXXXXXX Balance : {$19000.00}
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I recently checked my credit report and saw that XXXX XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ) ran my credit and that inquiry is currently on my report. This has caused my score to decrease and I am concerned that my identity may have been stolen.
|
| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I informed the company that I was a victim of fraud. The company claimed that they sent the three bureaus a letter to have them remove the hard inquiries from my credit report but nothing happened. Kept getting g the ru. Around by the company and the three bureaus.
|
| 02/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Santander consumer closed an account for a an auto loan and wrote it off on my credit report as a loss and is still submitting it to the credit bureaus which is in turn hurting my credit which I value and making it to where I am unable to get a mortgage for a home.
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I just recently tried to open a bank account and was declined because I owe money to Santander Bank. The problem is that I NEVER had a Santander Bank account before.
Please delete this account from XXXX XXXX XXXX. This is Not even my name and this is clear Fraud.
|
| 09/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid my loan off around XX/XX/23. I want a refund check mailed to me. I do not want some type of card that has to be opened by calling a XXXX number. this affects credit scores and opens me up to hacking and fraud. I just want my refund check mailed to me asap.
|
| 10/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
2017 I bought a car from XXXX XXXXbut the car was so expensive, i was telling the dealership to lower the payment for me, they refused, and they came to tow my car.now they still want me to pay for the car Today I would like to dispute the issue with santander.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for my credit report.
|
| 08/16/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
My car was repossessed XX/XX/XXXX. I was told i had until XX/XX/XXXX to pay XXXX to get it back. I payed XX/XX/XXXX, and they said that day the car was sent to the auction and they wiil get it back they told me it will be back the XXXX. Its still not there yet
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
Would like to see about having Santander Consumer removed from my credit report, I used to have an auto loan with them but closed that account over a year and a half ago. I am aware of the fact that Santander is involved in litigation & in a class act lawsuit.
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I opened my account with Santander on XX/XX/2023, I made the enrollment online banking process successfully, I was able to access to the online banking trough the app. But now I cant access trough the webpage on my computer. Im using the same ID and password.
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
All bureaus have ignored my request to provide me with documents that have files that theyve used to verify the disputed accounts which means that they have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA
|
| 09/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Documented that they call to collect a debt 2X a day minimum sometimes more 7 days a week, this is beyond harassment and has been brought to their attention on multiple occasions. This is just the phone calls and doesn't include the emails I receive as well.
|
| 07/20/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Tied to open an account. Was advised that they were unable to verify my identity. When asked for specific answers and pote rial resolutions, they now state that they reserve the right to refuse account opening to anyone. Contact XXXX at the executive office,
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
I voluntarily CLOSED my Santander Bank account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.
|
| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
My account was sold to collections which I have already paid off and they have already removed their self off my credit report this account only appears on one of my credit reports even thou it was sold off reports inaccurate information on my credit profile
|
| 11/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XX/XX/XXXX, XXXX paid Santander the amount for my XXXX XXXX XXXX, because it was declared a total loss. Santander cashed the check on XX/XX/XXXX. Unfortunately, Santander is still trying to charge me for the amount of the car and it has already been paid.
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My identity was stole and account was hacked didnt have access to my funds to pay any of my bill I notified Chrysler capital and they still reported my payment late to the credit bureau after I explained I was a victim of identity theft back in XXXX of 2022
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This issue has impacted me from making significant purchases for my family. Under the Fair Credit Act 15. USC and 1681, there should not be any damage to my report, which is defamation of my character. It has significantly affected reputation and character.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan.
|
| 04/17/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
The debt is very old Im getting letters from law offices. There was a class action and I was told I was cleared a couple of years ago. But Im still getting theses letters.
{$11000.00} letter states it owed XXXX XXXX letter stating Im owed the same amount
|
| 10/12/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
this information reported is erroneous/false and damaging to my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -VIN- XXXX Salvage Car Totaled and paid off XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 05/31/2023 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from Santander that was issuing a refund due to file review. Santander was the original creditor. This debt should be discharged.
|
| 03/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have told company many times to quit calling me and have tried to dispute claim becuz I was not only person on the loan so I feel I should not be held responsible for the whole debt I also tried to negotiate the debt down but they would not work with me
|
| 12/07/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
Older American |
|
Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my Santander Bank account to fraudulent investment firm ( s ).
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Chrysler Capital and credit agencies unknowingly and were not authorized to trade my information to make a misrepresentation of me and hinder my credit report.
A charge off is considered a certificate of indebtedness and can NOT be reported as income.
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Santader Consumer USA has an account in my name for the amount of {$7300.00} for a car loan. This is complete fraud as I do not have nor ever own in car. I have tried to get this removed but all three credit compaines are confirming this with no proof.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Santander has reported an auto loan on my credit which i provided that don't belongs to to me and now XXXX sold the account to XXXX XXXX and it shows 2 open accounts under one auto loan which is against the law and should be remove from my credit ASAP
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
During the COVID-19 pandemic I missed 3 payments on different accounts because I was not working due not be able to work in my industry. I disputed all three and the have yet to take them off my credit report. Also XXXX XXXX XXXX XXXX and missed work.
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
After reviewing my consumer report, I have observed erroneous accounts and information that are unrelated to me. I did not provide authorization for any of this information to be included in my credit record, and it is significantly impacting my life.
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I got a loan with santander paid the car off in 3 years now theres some audit and they have refused to put it on my credit score also now that the loan is paid santander XXXX it appear i had late payments when at the time i sold the car there was none
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
SANTANDER CONSUMER USA
XXXX XXXX XXXX XXXX XXXX, TX
XXXX
THE CAR WAS RETURNED AND THE ACCOUNT WAS CHARGED OFF OVER SEVEN YEARS AGO BUT STILL APPEARS ON MY CREDIT REPORT. IT HAS BEEN DISPUTED IN THE PAST BUT REAPPEARS AND CAUSING FINANCIAL BURDENS.
|
| 07/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Today I went to the drive-through at my local branch and I was told that I couldnt withdraw more than {$5000.00} because it was a branch policy. When I called the one 800 number I was told that I should be able to take out the money because its mine.
|
| 10/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
This account was open XX/XX/2013. I have paid as agreed and have held the title for some years now. It appears as a write off, inaccurately. I am requesting this adverse account be removed from my report. It is paid in full as agreed.
Thank you!
|
| 01/28/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Car was leased in XXXX from XXXX XXXX. Car was repossessed in year XXXX and Gap insurance paid the difference to Santander due to the XXXX XXXX ongoing trial at the time. I was told the negative repossession report would be removed off my credit.
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I NEVER APPLIED FOR ANY CARS LOAN OR LOAN AND THERE KEEP REPORTIN ON THE CREDIT BUREOUS ALL THREE DIFFERENT ONES!!! XXXX OFF WHEN I ACTUALLY HAD MY CREDIT FINE SOME SCAMMER OR WHO EVER WAS IT USE MY INFORMATION AND IS EFFECTING MY LIFE PERSONAL
|
| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Consumer USA OPENED XX/XX/21 The reporting of the late payments, term length, amount due amount of loan paid are all reported inaccurately. Due to the inaccuracy of the reporting please remove the reported late payments on the account
|
| 07/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Ive contacted Chrysler capital numerous of times as well as XXXX XXXX I have no recognization of said loans on my credit report and I have proof of them not belonging to me and would like for the charge backs to be lifted from my credit report
|
| 01/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Between the dates of. XX/XX/2023 & XX/XX/2023 they have call over 8 times and multiple times a day. I have asked them to stop calling and even told them when I could make a payment. They have continued to call with different people each time.
|
| 12/19/2022 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Older American |
|
During XXXX we lost income Was on XXXX Programm Then apply for modification Morgage company denied modification and our appeals Even we receive XXXX XXXX from state Programm and tell them we like to start paying our Morgage, still not respond
|
| 09/27/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Attempted to contact company several times and have not received a response from anyone.
Company : XXXX XXXX was acquired by XXXX XXXX. Neither company is helping us to get a lien release for a vehicle that's been paid off for over 20 years.
|
| 09/05/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
|
|
Web |
|
|
First of all they was over charging me cus no way I still owe the same amount wen I got it over 2 years ago and also I told them come get it because the transmission went out I had a bad car from jump engine light was on since I left the lot
|
| 07/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
The companies are stating they got verified information this account is valid. I ask for proof of information over the phone and the letters and no proof that this account is mine or nothing was never sent to my address on my credit report.
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Multiple companies and credit agencies reporting incorrect information causing hardship as a consumer. Data and addresses are old causing delinquency. Adverse action has been taken violating my consumer rights and CFR laws not honoring UCC
|
| 11/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Santander Consumer USA has reported a charge off on my credit report. It is illegal to post income on a consumer report a charge off according to the IRS it is income the company has to file a XXXX and they never sent me a copy of the XXXX
|
| 06/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
Three weeks after my loan was paid in full Chrysler pulled a payment from my account. That payment has not yet been refunded and it has been over 2 weeks since that happened. The pulling of this payment caused {$56.00} in Over draft fees.
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
My loan is paid up to date and they keep sending collection letters and when I call the amount they say I am past due never changes and keeps dinging my credit and saying that its a problem with their system.. I have proof that its paid.
|
| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was in the process of purchasing a home and when my report was pulled and saw alot of information that was inaccurate. Complete defamation of my character. According to 15 U.S.C 1681 there shouldnt be any damages on my credit report.
|
| 12/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear Santander Consumer USA XXXX Inc., I have received your letter as dated XX/XX/2022, see attachments. In addition, I am confused by letter. Can you please produce any documentation when have I ever mention anything about bankruptcy?
|
| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Account XXXX XXXX Santander ( has been incorrectly reporting excessive amounts of repossession on my credit report. I have attached a screenshot showing three repossession on one vehicle when it should only be one for XX/XX/2023 2023
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander Bank is reporting incorrect balance on my credit report I have disputes with all three credit bureau as well as the bank and they do not want to update the balance they are not updating. They are reporting incorrect balance
|
| 04/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX Balance {$8500.00} Balance updated XX/XX/XXXX SANTANDER CONSUMER USA Balance {$8700.00} Balance updated XX/XX/XXXX All this information in accurate for my address XXXX XXXX Balance {$1600.00} Balance updated XX/XX/XXXX XXXX
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There is two hard inquiries shown in my Cridit report on on XX/XX/XXXX, and XX/XX/XXXX From the two companies I didnt try to do anything with them I dont know anything about them am call them to ask about that and there is no answer.
|
| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! XXXX bless you!
|
| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I called the credit reporting agencies on XX/XX/2023 and let them know the inquires and accounts in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them.
|
| 03/16/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
|
|
Santander Bank keeps sending me credit card solicitations. They dont make it easy to find a way to opt out on their website so I have emailed them 5 times over the last 3 months and I keep getting marketing solicitations from them.
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
divorce : property was kept by ex-wife and sold by ex-wife.
very unfair credit reporting due to ex-wife XXXXXXXX XXXX XXXX acct : XXXX Santander consumer usa XXXX XXXX XXXX XXXX XXXXXXXX never late always reporting that i am late.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX is reporting 2 account incorrect. The credit acceptance account is not my account and she be removed asap. The other account which is Chylser Capital she be reporting charge off. They have already repossessed car and sold it.
|
| 03/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I opened a car loan with Chrysler Capital in XX/XX/XXXX and Chrysler Capital no longer reports monthly to the 3 credit reporting agencies. The last time Chrysler reported the loan to the 3 credit reporting agencies was XX/XX/XXXX.
|
| 11/14/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Older American |
|
I purchased this vehicle on XX/XX/2019 and still my loan is more than what was financed and have not even started paying the principle on it and I will have the truck for 4 years now and the balance is higher than when I bought it
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I was trying to purchase a car so I had an inquiry made on my credit from XXXX XXXX XXXX dealership but then I looked on my credit report and 4 other dealerships had made an inquiry on my credit when I never gave them permission
|
| 01/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Someone made a withdrawal from my account without my consent or knowledge. Also I have been charged outstanding fees also my account was opened with a {$200.00} deposit and subsequently charged fees and closed without my consent
|
| 09/19/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I'm asserting my right to rescind my contact due to fraud, violation of the following USC : 15 USC 1666d ( a ) ( b ) ( c ) 18 USC 8 15 USC 1605 15 USC 1605b 15 USC 1692 ( c ) ( a ) 15 USC 1692 ( b ) ( 2 ) 15 USC 169 ( b ) ( 5 )
|
| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Santander Consumer Credit has stated that the account information on my XXXX report is correct. However it should been removed as of XX/XX/2023. I have tried to resolve this matter with both Santander Consumer Credit and XXXX.
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX I filed a dispute with experian to inform them that my address is not correct also a company needed to be removed from my credit report along with documents showing it was wrong. it was still to no effect.
|
| 02/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
On XX/XX/XXXX they stole my identity and took out cars in my name in a state where I'm not, I want to stop that process, they took out cars in XXXX different delear, I'm just the owner of a single car that is a XXXX XXXX XXXX
|
| 09/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I was given false and deceptive information. ( violation of 1692e ) As I was told that a down payment of {$6000.00} was needed in order to drive off of the lot ( pursuant to 15 usc 1605a. ) a finance is a sum of all charges.
|
| 02/02/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I want this account removed due to deception and predatory lending practices. This account is in litigation and falls within the timeframe of XXXX. My account was opened on XX/XX/2018. Please remove this account immediately.
|
| 05/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I was very XXXX XXXX XXXX XXXX XXXX during the pandemic and i missed a car payment and was late by 33 days. I have called them 1000s of times and told them i was XXXX XXXX and they do not care. Is there anything we can do?
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello Santander consumer finance, XXXX XXXX XXXX XXXX XXXX XXXX got my credit report when it was unauthorized on XX/XX/XXXX XXXX XXXX none of these companies have any information about me so how is it on my credit report?
|
| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX I purchased a vehicle and was not informed of multiple inquires I was told it would be one inquiry which is what I authroized so this inquiry is not authorized and should not be on or a hinderance to my credit by law
|
| 06/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I am receiving 2-3 calls a day 7 days a week. Today I got one in the morning and then one at lunch time and another at XXXXXXXX XXXX. Yesterday I got one in the morning and one in the afternoon. They are automated calls.
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This was ran without my consent from XXXX XXXX 's dealership ( rep ) sent out letters quote to ask them to remove from my profile and I've called and nothing happened still effecting my and scoring needed removed asap
|
| 07/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
This was ran without my consent from XXXX XXXX 's dealership ( rep ) sent out letters quote to ask them to remove from my profile and I've called and nothing happened still effecting my and scoring needed removed asap
|
| 03/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The account is a charge off where they were already paid and was supposed to close the account i have sent out letters that have been ignored an it is showing as an open balance which is putting a hardship on my life.
|
| 11/16/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
SANTANDER was in a class action suit and it was ordered for them not to report to the credit bureaus concerning accounts. I sent the information in explaining that to them and they didn't respond in the proper manner.
|
| 10/01/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander Consumer offered me a payout because the car I purchased had a recall and they were suppose to close out my account, perhaps the account is still active on my credit and it should have been closed years ago.
|
| 11/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I went and opened a bank account and XXXX XXXX and they took out XXXX page and didn't show me what it was then next thing I know their saying I owe them for a product they sent back and didn't tell me what it was
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander was paid out by ilending after refinancing my vehicle and have falsely reported my account to the credit beureu. My account is now in collections and they are not taking accountability for their actions.
|
| 07/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
The vehicle that was purchased by a thief through Santander bank that shows on my collection owed {$5700.00} was not purchased by me. I was a victim of identity theft. I need it removed from all my credit bureaus.
|
| 05/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
Got to car accident in XX/XX/2020 my car got total lost and they pick up the car from my home but they refused to pay more then 10 % of the loan because my insurance was just expired But the other car was in fault
|
| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
my credit report is showing a auto loan from Santander consumer usa for the about of {$37000.00} opened on XXXX XXXX XXXX. this account does not belong to me and I would like it removed from my account immediately
|
| 10/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
In-accurate credit reporting and account management, violating my personal credit worthiness with significant impact on all credit bureaus. And was harassed until the inaccurate information published was settled.
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Today is XXXX XXXX after checking the consumer report I noticed Chrysler Capital are reporting information without the prior written consent of the consumer which is a violation of the Fair Credit Reporting Act.
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
Due to my current knowledge I have discovered that according to Title 15 US 1605, I was a victim of false and misleading information, and denied my own credit through the consumer auto finance company Santander.
|
| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Chrysler capital not reporting accurate information. All three credit bureaus not all reporting the same. Lots of errors with reporting balance. Payment dates and closing dates inaccurate. Need to delete or fix
|
| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Santander Consumer USA is still breaking the law. No issues have been resolved with the prior response to them of their fraudulent act toward me. They do not want to cooperate with the federal law or my rights.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX conspired with several companies to unlawfully report inquires that wasn't authorized by me ; CHRYSLER CAPITAL : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have NO contracts or business dealings with XXXX. XXXX and credit agencies along with Chrysler Capital who sold my information to XXXX without my knowledge, traded information to discredit my credit report.
|
| 01/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Have been trying to get hold on them But never had the opportunity! Pls lets get to a agreement I can do payments I had been XXXX to work for health problems but I believe I can fix this, im open to negotiate
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I asked them to investigate the accuracy of their reporting. They have tried to re-aged my account with them on many occasions. They have not responded to me in any form whatsoever. It has been over 30 days.
|
| 06/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, Engel Hardt v. Gravens ( MO } 281SW715,719, I may presume that no proof of the alleged debt nor any such debt in fact exists.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
THESE COMPANIES WERE ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION I NEVER AUTHORIZED THEM AT ALL THEY WERE PUT ON BY XXXXXXXX XXXX WHO WAS SINCED REMOVED FOR MY CREDIT REPORT ON THE SAME DAY XX/XX/XXXX XXXX
|
| 08/02/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Santander hasn't reported my good standing to any credit bureau. I called on XX/XX/2023 to inquire the reason why they won't reporting my good standing to any credit bureau ; didn't get any adequate answer.
|
| 03/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Per Title 15 USC 1681 [ N ] a XXXX dollar fine shal be implemented for each inquery not expressed consented by myself the consumer, cease and decist all reporting not expressly written by me the consumer.
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX is reporting information on my credit report incorrectly.i am writing to request the removal of unauthorized credit inquiries. My latest credit report shows 3 hard inquiries that I did not authorize
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Hi, I opened my checking account on XX/XX/2023 at XXXX XXXX XXXX XXXX, XXXX, PA XXXX with XXXX XXXX. Now im having issues accessing to my online banking, I could enter but now the system is giving error.
|
| 02/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am requesting these documents because I do not believe this repossession should be reported on my credit report and that it is reporting inaccurately.
SANTANDER CONSUMER USA XXXX Balance : {$19000.00}
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Improper use of my credit reports under 15 usc1681-604a section2 Dates back from 10 years ago XXXXnow These companies keep reselling my credit reports once its sold its not my debt they keep misusing it
|
| 12/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have several unauthorized fraudulent inquiries on my credit report. These inquiries were done fraudulently and without my authority. These inquiries are fraudulent and we're done without my authority.
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle
|
| 01/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have been overcharged. They have added money to keep my balance from coming down. I asked for paperwork showing my history and I never got it. They have made up late charges to keep my balance high.
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
In XX/XX/XXXX, my XXXX XXXX XXXX was paid off in full. The lease was with Chrysler Capital. There remains a loan balance on my account that is inaccurate and should be removed.
Thank you, XXXX XXXX
|
| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I cant remember when I started noticing all these inquires on my account but when I did, I took action immediately by contacting each company asking them to remove these inquires because it wasnt me.
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Disputed the inaccuracy of this account four times and requested documentation from the original creditor. The information remains incorrect and XXXX refuses to provide the requested documentation.
|
| 09/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
|
|
My car was wrongfully repossessed stating I didnt make a payment in 90days. Not allowed to make current payments. The only option was to pay off the entire loan- or refinance with a different bank
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I recently check my credit report and noticed unauthorised accounts being listed. I've reached out to the credit bureau to solve these issues but have not received any information or any updates.
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been the victim of identity theft I recently had purchases made from my bank account that I have no prior knowledge of this has been every troubling and I am looking to have some resolve
|
| 05/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
I have XXXX and had to get an extension on my loan which they graciously did but they told me I wouldnt be charged interest and they did and they gave me a poor credit score saying I was late
|
| 11/20/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I recently received a copy of my XXXX XXXX or XXXX XXXX credit report, and I noticed some late payments posted on my credit report SANTANDER CONSUMER USA late payment DATE XX/XX/XXXXXXXX XXXX
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Santander ConsumerXXXX is showing on my credit report after it was paid and closed. It should not be on my report any more. I'm receiving calls and emails about a account that has been paid.
|
| 10/23/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
You've Violated Me as A Consumer. Where you all have discriminated on me and sent an adverse action to me off of my credit report. FEDERAL LAW SUPERSEDE Your COMAPNY POLICIES AND PROCEDURES.
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These inquiries have been added to my credit report without my authorization!
CHRYSLER CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed them and they remain on my credit report!
|
| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Im a victim of identity theft and because of that theres been car leases/ loans, internet/ cable, a lot of negative inquiries and multiple collection thats accumulated, which none are mine.
|
| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My credit report dated XX/XX/2023 from the three major credit bureaus shows that Santander consumer is reporting payment history as well as a charge off with a {$13000.00} balance attached.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My credit has been run multiple time by unauthorized companies that I don't have no relationship with. 5 times on the same date which XX/XX/2023 ( XXXX XXXX XXXX XXXX Santander consumer )
|
| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There are accounts on my credit that are unauthorized. By law, that debt has to be verified. Ive sent dispute letters to all 3 credit bureaus and will attach it with my complaint as well.
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
this is a notice of billing error to the company.
the refernced account is an agreement not a contract and because of the lack of complete disclosure. i rescind the entire transaction.
|
| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This is a formal complaint that XXXX, XXXX, & XXXX are reporting inaccurate and incomplete credit information. This a violation of FDCPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
|
| 10/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Last active dates are different ( XX/XX/XXXX XX/XX/XXXX ), charge off/collection between XXXX XXXX XX/XX/XXXX but the month of XXXX no data provided. Past due amounts on closed accounts
|
| 10/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
There a debt on my credit report about a car that was not suppose to be on there as a debt there is no contract to prove of the debt and also Santander bank got sued for bad business.
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX I called XXXX XXXXXXXX as well as the creditor to have fraudulent inquiries removed from my XXXXXXXX XXXXXXXX report. And as of today XXXX they are still listed on my report.
|
| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
THERE HAVE BEEN SEVERAL CONSUMER REPORTING AGENCIES THAT HAVE STOLEN MY IDENTITY. Under the federally protected consumer act, this is illegal and needs to be stopped immediately.
|
| 05/15/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I had a repossession on my credit report. They told me if I pay it in full they would take it off so I gave them {$7000.00} almost 6 months ago and its still on my credit report.
|
| 12/21/2022 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX Santander picked my car up, sold it and still charging me the amount I paid for it. Its been over 9 years and they are still charging me over XXXX for a car I no longer have
|
| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have called many times asking to be taking off this car loan account joint with XXXX XXXX. I have never seen or drove this vehicle ever, and it is hindering my credit report.
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I was in a car accident XX/XX/. My car was totalled and Santander bank continues to report my loan being defaulted. How could I pay on something that didn't exist after XX/XX/?
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
i have contacted the company to advise that i was victim of fraud while i was in XXXX the company has failed to verfiy the accuarte information so i am demanding it be removed.
|
| 12/02/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
On XX/XX/23 I checked my credit report, and I noticed numerous inaccuracies on my credit report. I sent a letter to all XXXX bureaus, and they have not removed the accounts.
|
| 10/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Chrysler Capital refused to provide title once vehicle was paid in full. They said South Dakota has electronic titles only but did not provide instructions on how to access.
|
| 09/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have an issue with the fact that I am so upside down I cant trade my car in. No one will take my car because I owe XXXX and my car is only worth XXXX. I need some answers
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX was not authorized to pull score. They have an internal score.
They was several car dealerships loan company that had access to my credit when I've authorized 1
|
| 01/31/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
transactions on the mini summary of the account do not calculate evenly, and the bank teller could not explain the transactions to me. The balance wasnt even on most months
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
XXXX XXXX XXXX has not been reporting my payments to my credit bureaus and it has impacted my credit sore significantly. I would like them to report the monthly payments.
|
| 12/08/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have a car loan from Santander Comsumer USA I've never owned a car. can you please help me remove this as soon as possible. it is a big hinder on my credit. Thank you.
|
| 11/05/2022 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
EARLY XXXX XXXX XXXX, XXXX XXXX XXXX Santander Consumer Usa Inc .
threatened to sue me case was dismissed and since then i never heard from them in any form of contact.
|
| 10/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Continue to call stating my phone number is tied to debt. Asking for my ss #. Stating " I'm very behind on payments ''. I've never had a loan with this company, ever.
|
| 08/18/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I paid off my lease, and I requested a payment receipt because I'm applying for a mortgage, but they refused. and the monthly payment doesn't have a balance either.
|
| 10/09/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX was financed through XXXX Consumer on XX/XX/XXXX. Repossession as of XX/XX/XXXX. Charge Off as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
The address reported was never an address of mines, in addition I never gave Santander any written consent to share any of my personal information with any agency.
|
| 02/08/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
keep receiving harassing calls threats insults from creditor, per the fair credit reporting act i never share or gave anyone authorization to share my information.
|
| 10/01/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American, Servicemember |
|
On XXXX XXXX I can't recall what I spent {$280.00} on. This is my wifes card and it was only viewed by her. It would be nice to find out what I bought. Thank You
|
| 09/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
The address on this account is incorrect and I have been unable to get it removed due to it being reported from this account. I have never lived at this address.
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Filed many disputes for almost a year now with Consumer credit bureaus and sent Santander letters since XX/XX/2023. Has not be resolved per my countless request.
|
| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I ask in the name of XXXX XXXX, I pray Santander Consumer USA , Inc., act in good faith and do NOT discriminate. See attachments. XXXX XXXX All Rights Reserved.
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Santander consumer usa has report me incorrectly on my credit 10 times. They ware incorrectly reporting me late can you help me remove this if my credit report?
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XX/XX/2022 XXXX XXXX was dated on my credit report that I am not aware of. I did not give authorize and I did not give permission to anybody to run my credit.
|
| 11/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX was financed through XXXX XXXX on XX/XX/XXXX. Repossession as of XX/XX/XXXX. XXXX XXXX as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX.
|
| 11/10/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I believe that I am a victim of identity theft because my car was broken into all my personal belongings such as my social security card and my i.d was stolen.
|
| 03/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
On XXXX XXXX I was XXXX in Washington XXXX DC. They took my car, wallet and phone. This held me up in paying my bills as I had no access to money, telephone.
|
| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I had a consumer loan for a XXXX XXXX XXXX. on or about XX/XX/XXXX I sold the car and its still showing up on my credit that I have the account and I do not.
|
| 11/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
|
| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I got a car from a dealer which the contract was fraud and I wanted to unwind and I was asked not to make the first payment by their customer representative
|
| 05/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
I feel like the payment is too high and I'm getting overcharge for interest. The interest is over 20 % which I don't know if that's even legal in Arkansas.
|
| 04/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have called multiple times to this company and they are not willing to work with me and they dont want to send me a report with what is owned nor a bill.
|
| 06/12/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.
|
| 02/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I made a payment and I was told that I was not in repossession anymore. And they still repossessed it. And they also hooked my car up while I was in it!
|
| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Credit Inquiry on XX/XX/2023 by Santander Consumer USA XXXX Credit Inquiry on XX/XX/2023 by XXXX XXXX XXXX XXXX Both appear to be regarding auto loans.
|
| 03/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
Title 11 - Commercial Code Article 3 - Negotiable Instruments Part 6 - Discharge and Payment XXXX. Tender of Payment payment recived by certified mail
|
| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I totaled my car in 2017 and was sent documentation that the auto loan was charged off but it is still being reported negatively on my credit report
|
| 11/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I never gave SANTANDER permission to pull my report on the date of XXXX they validated my rights as a consumer under the FAIR CREDIT REPORTING ACT.
|
| 08/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
I was not aware of this loan and I would like proof of this loan which I assume isnt plausible Id like this fraudulent account removed immediately.
|
| 05/10/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
FCRA violation. Paid vehicle loan balance in full XX/XX/23. Credit reports should reflect accurate payment along with removal of charge-off status.
|
| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 usc 1681 Section 604 states rights to consumers privacy reporting agencies can not furnish a account without my consent!
Santander Consumer USA
|
| 03/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I XXXX do not owe Santander any money. They are reporting a XXXX balance on my credit report. I want the, to delete this from my credit report ASAP
|
| 10/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
Hi, I need my title to my vehicle I paid off in XXXX of XXXX. Included here is a photo of vin, and of credit report from XXXX XXXX. XXXX XXXX XXXX.
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I sent letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX requesting documented proof of the credit inquiries listed on my credit report.
|
| 03/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
|
|
I requested for a Validation letter never received! They are trying to collect on a account they sold to another company without my permission
|
| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX has done a lot of unlawful activities using my name that has made my life hard. I have a wife and XXXX kids can you please help us?
|
| 09/28/2022 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
by law I don't owe this company I did sign or make a deal with them.
and if this letter don't work and they need to take this off my bureau.
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Information is incorrect and not accurate at all. I was incarcerated thru this process and would like to be updated and deleted please help!
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
There is an account on Santander that isn't mine and needs to be deleted immediately. I have disputed it and it still remains on my credit.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The name of the company is Santander consumer they have a car in my credit that does not belong to me and will not remove it from my report
|
| 06/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My identity was stolen by and misused without my content, this debt is also over 7 years ago SANTANDER XXXX contact company, no response...
|
| 02/06/2023 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
Santanderbank is not allowing me to make payments and they are requiring to call and provide Checking Routing numbers which is very unsafe.
|
| 11/26/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I co sign for my grandma over 5-7 years ago and its still showing up on my credit report as being updated in XXXX the car was sold and etc
|
| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX a hard inquiry was listed on my credit report. I contacted the company on XXXX XXXX I have not received any explanation back.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have several car inquiries on my credit report that does not belong to me. My credit report shows I work at XXXX XXXX which is incorrect
|
| 10/24/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Went to dispute an item and the verified it but yet it was paid off and also all three of the credit bureaus are reporting different items
|
| 12/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
I called the company out to explain the terms and conditions and they treated me unfairly miss lead. let me by giving me false information
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
According to the FCRA you are violating my rights. And I don't owe anything and all the account needs to be removed from my credit report.
|
| 04/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
|
| 05/09/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I AM struggling to pay my car loan and they are going to take my car from me on XX/XX/2023 if I don't pay the full amount of {$900.00}.
|
| 07/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
SANTANDER CONSUMER BANK # XXXX {$11000.00} THIS ACCOUNT IS FRAUD AND THEY ARE REPORTING ME TO MY REPORT HURTING ME I NEED HELP PLEASE.
|
| 10/19/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Santander bank has blocked my access to my checking account which has my money. They refuse to give me access to my account and funds.
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
These are multiple inquiries that all appeared on the same day. I do not have any open accounts connected to any of these companies.
|
| 12/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Complaint that Defendant Santander Consumer USA Inc. violated the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. app. 501-597b,
|
| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My account was paid off XX/XX/2022 and the XXXX was release XX/XX/2022. On multiple credit bureaus show the account is still opened.
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
It happened XX/XX/23 reporting wrong information and hung up in my face when I called. I want XXXX for false information reporting.
|
| 11/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Santander has sold this account and the vehicle was removed and they put it back on with a different date. It was sold to XXXX XXXX
|
| 05/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
XXXX XXXX XXXXXXXX - {$12000.00} owed after car was repossessed XXXX - XXXX - {$1000.00} after car was totaled settlement was made
|
| 12/02/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
CHRYSLER CAPITAL IS IN VILOATION OF SEVERAL FEDERAL LAWS WHICH INCLUDE 15 US 1681a ( 2 ) ( B ) & 15 US 1681a ( 2 ) ( A ) ( iii ).
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've written letters to all 3 credit bureaus. There are multiple accounts showing on my credit report that do not belong to me
|
| 07/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I've written letters to all 3 credit bureaus. There are multiple accounts showing on my credit report that do not belong to me
|
| 02/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Santander USA consumer illegally stole my car when the car became a lemon stop working XXXX blaming XXXX for fuel pump failure
|
| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have no idea who santander is and why they have an inquiry on my credit. I did not apply for anything through this company.
|
| 11/14/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
Unfair, deceptive, or abusive acts or practices in the contact Ive already filed a right of rescission with Carmax and XXXX.
|
| 10/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Company explaining amount owed
|
|
Web |
|
|
Interest rate was told different then it was when I first purchased it. I felt I was coerced into it with wrong information.
|
| 08/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
i am a victim of identity theft someone used information to take a car does not related to any transaction that I have made.
|
| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Tried getting my issue resolved with with no help! Santander is reporting false and illegal information on my credit report.
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
The addresses listed in my credit report isnt accurate and theres a lot of hard inquiries on my report that I dont recognize
|
| 04/25/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Chrysler Capital (acct# XXXX) $XXXX
XXXX XXXX XXXX XXXX XXXX TX 76161
Contacted via email and phone calls multiple times.
|
| 10/23/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Someone got my card and used it I dont know who but there is XXXX dollars missing its fraud I want the money I didnt use.
|
| 07/25/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
Denied me opening a claim of an unlawful transaction. Didnt offer me help just told me they couldnt help me with my claim
|
| 12/13/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American, Servicemember |
|
CHRYSLER CAPITAL REFUSES TO SEND AN OFFICIAL 10 DAY PAYOFF LETTER BY FAX OR EMAIL TO A CREDIT U ION FOR A REFINANCE LOAN!
|
| 10/06/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
My account was closed on My credit report on XXXX XXXXafterItoldsantandermyaccountwasclosedtheyresumittedonmyreportonXXXX
|
| 09/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
VICTIN OF IDENTITY THEFT AND ITEMS ARE REPORTING ON MY CREDIT FILE THAT SHOULD NOT BE AND ARE A DIRECT RESULT OF FRAUD.
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Unauthorized hard inquiries from:
Santander consumer
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
Santander collection agency XXXX XXXX car payments but not accurate. XXXX, XXXX and other credit bureaus reports XXXX.
|
| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This debt was incurred due to fraudulent charges, which according to XXXX XXXX XXXX Liability policy I am not liable.
|
| 01/13/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
My credit scored dropped XXXX points because someone opened up a auto loan under my name and I had no knowledge of it
|
| 07/15/2023 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Has called me XXXX times in the past 7 days, and has violated the XXXX calls in 7 days rule multiple weeks in a row
|
| 07/09/2023 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
THIS COLLECTION IS REPEATLY PUT ON MY CREDIT REPORT DAMAGING MY CREDIT WITH THE OPENING DATES CHANGING EVERY TIME.
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
Do not recognize inquires on my credit report called all three bureaus no help XXXX inquiry date XX/XX/2022 2022
|
| 12/06/2022 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
They keep saying that they send a ck but we never received it and dont ant to give a copy to verify that THANKS
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Chrysler Capital is reporting my payments as late even though the lease was closed out and the balance is XXXX
|
| 03/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Chrysler capital auto loan shows as derogatory on my credit report and I dont know anything about this account
|
| 07/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
IN RVIEWING MY CREDIT FILE I FOUND A FEW ACCOUNT THAT I DO NOT RECOGNIZE AND NEED TO BE REMOVED FROM MY FILE.
|
| 10/17/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Santander credit card charged interest on the negative balance after the balance on a card was paid in full.
|
| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I Was A Victim Of Fraud And They Opened Up Credit Cards In My Name Tried To Get A Car And Did Phone Accounts
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Information belongs to my twin brother and is falsely showing in my report hindering me from buying a house
|
| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have sent letters to the credit bureau and have not heard back or received a response for over 30 days.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
someone else used my information to apply for this liability. I never cosigned for anyones auto loan.
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
santander consumer usa deleted the account off my report but its still showing on my consumer report
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Didn't remove old account from my credit report from 5 to 8yrs ago. Still showing up on my account.
|
| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There's a credit report on my score I'd like to dispute it under the 15 USC 1681B And 15 USC 1681A
|
| 05/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
My car was repossessed I offered to buy it back was denied. Vehicle was sold still harassing me
|
| 03/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
These items that indicate late payment are not accurate as I have ben on time with all pyments.
|
| 01/20/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I looked at my credit report and I noticed a charge off which is debt that has been discharged!
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account is close and is affecting my credit I dont own no balance this account is pay off
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I noticed several inquiries from places I didnt know about or approve of on my credit report
|
| 02/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
The bank closed my account and they took away rom us {$2800.00} and just giving us no reason
|
| 12/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
While looking over my financed agreement I realize I was over charge and taken advantage of.
|
| 09/21/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
Servicemember |
|
Insurance supposed pay off my car loan n had gap insurance but they say they took it from me
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I dont check my credit often but when I did I have multiple inquiries from the same company
|
| 09/20/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit report showed fraudulent activity. Auto loan and credit cards which are not mine.
|
| 03/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Reporting an inquiry I did not give permission or my information to this company XXXX XXXX
|
| 02/07/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
XX/XX/2022 the XXXX is XXXX, this is not my account, please remove it for my credit report
|
| 02/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
|
|
Sent documentation proving fraudulent account, company not responding at a timely matter.
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have inquiries on my 3 credit reports that should be cleared due to filing bankruptcy.
|
| 10/18/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
Chrysler Capital took payments out of my checking account and will refund on XX/XX/2022.
|
| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are Inquiries that are reflecting on my credit report that I have not authorized.
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Around XX/XX/2023, XXXX XXXX ran a hard inquiry on my report that I did not authorize.
|
| 11/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
All Santander auto finance was incorrectly reported. It is affecting my credit report
|
| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Incorrect and illegal late payments reporting in violation of FCRA ), 15 U.S.C. 1681
|
| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are inquiries on my report I do Not recognize. I did Not authorize inquiries.
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was a victim of XXXX data breach and inaccurate information needs to be removed.
|
| 10/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
I paid triple over the amount owed for my auto, Santander want release my title.
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have multiple hard inquiries I didn't realize they ran my credit so many times
|
| 09/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Santander is trying to collect on a debt that was already paid via charge off.
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company incorrectly used my information hindering me from gaining new credit.
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
There are late payments reported on my credit report for a vehicle I leased.
|
| 03/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have no relationship with this company and did not authorize this inquiry.
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
The are reporting incorrect information about me. Slandering my credibility
|
| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I called the banks to inform that the credit inquiries were identity theft.
|
| 09/13/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Web |
|
|
Overpaid property taxes and have failed repeatedly to recover overpayment.
|
| 06/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Should not be included in my credit report is an more than 7 year account
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
Unauthorized credit inquiry on my credit reports on XXXX XX/XX/ 2022 2022
|
| 11/04/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
my loan was for 3 years but as i checked my credit report it says 6 years
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have paid off the car balance but creditor still reporting a balance
|
| 05/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
90 % of my payments went to interested in a principal thats just wrong
|
| 05/31/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been stolen and accounts were open without my consent.
|
| 10/03/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have not authorized any company to run my credit nor process loans.
|
| 12/31/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
discrimination and also obtaining credit information to make decision
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
showing late when not, misrepresenting the history and not verified
|
| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
I have a hard inquiry on my credit report that I did not authorize
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I got so many hot inquires most of those I do not recognize those
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Trying to get the late and negative things off my credit report
|
| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Unauthorized hard inquiry on my credit reports on XX/XX/2022.
|
| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX My credit was pulled with my permission.
|
| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
i didnt open a account with them someone used my information
|
| 11/16/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
Car has been repossessed and sold. Please delete and remove.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone used my credit information without my authorization
|
| 06/21/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
Im requesting a 1099c form from the creditor please provide
|
| 10/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Santandar Consumser has incorrect information on my report.
|
| 07/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found that in my credit report, I don't know what is it.
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I only went to XXXX school and my loan should be paid off.
|
| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have no knowledge about those hard inquiry and account
|
| 11/29/2022 |
Yes |
- Vehicle loan or lease
- Lease
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
The account is closed and want it off my credit report.
|
| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have NO KNOWLEDGE of this account.This is fraudulent
|
| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are unauthorized businesses on my credit report.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are unauthorized businesses on my credit report.
|
| 11/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
There are unauthorized businesses on my credit report.
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are unauthorized businesses on my credit report.
|
| 11/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
There are unauthorized businesses on my credit report.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
company sent out affidavit form for theft and dispute
|
| 01/26/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I WAS NEVER LATE IN OF XX/XX/2021 ACCOUNT NUMBER XXXX
|
| 01/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
IN XXXX OF 2021 I WAS NEVER BEEN LATE ON THIS ACCOUNT
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I have the right to privacy They violated my rights
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Remove this off my report its effecting my score
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
SANTANDER CONSUMER didn't open this loan fraud
|
| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone was supposed to handle this situation.
|
| 11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX and delete accounts from credit report.
|
| 05/21/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Servicemember |
|
Debt was paid and is still on credit report
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am a victim of fraud and identity theft.
|
| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have no knowledge of this inquiry
|
| 12/07/2022 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Advise company of being unemployed
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The account does not belong to me
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
Improper Use of Credit Reporting
|
| 12/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I do not recognize this inquiry
|
| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Dont recognize these inquiries
|
| 11/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Its affecting my credit score
|
| 09/20/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX is happening.
|
| 02/12/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 02/12/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
|
| 02/12/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 02/09/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
|
| 02/08/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American, Servicemember |
|
|
| 02/07/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 02/07/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Referral |
|
|
|
| 02/06/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 02/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 02/04/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Servicemember |
|
|
| 02/02/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 02/01/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Older American, Servicemember |
|
|
| 02/01/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/31/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
|
| 01/30/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Damage caused or loss of personal items in vehicle during the actual repossession
|
|
Postal mail |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/29/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/28/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/27/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/27/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Foreclosure
|
|
Web |
Older American |
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 01/26/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
|
| 01/26/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
|
| 01/25/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
|
|
|
| 01/24/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/24/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
Older American |
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
|
|
|
| 01/23/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/23/2024 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
|
| 01/22/2024 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American, Servicemember |
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/21/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/20/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
|
| 01/20/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Phone |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/19/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Identity theft protection or other monitoring services
- Billing dispute for services
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
Servicemember |
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/18/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/17/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Referral |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
|
| 01/16/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/15/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 01/15/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
|
| 01/15/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
Older American |
|
|
| 01/15/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
|
| 01/15/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
Servicemember |
|
|
| 01/13/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/13/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Escrow, taxes, or insurance
|
|
Referral |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/12/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Phone |
|
|
|
| 01/12/2024 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
Older American, Servicemember |
|
|
| 01/11/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Lender trying to repossess or disable the vehicle
|
|
Phone |
Servicemember |
|
|
| 01/11/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 01/11/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Phone |
Older American |
|
|
| 01/10/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Title loan
|
- Vehicle was repossessed or sold the vehicle
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/10/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Problems at the end of the loan or lease
- Termination fees or other problem when ending the lease early
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Web |
Older American |
|
|
| 01/09/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/09/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Vehicle loan or lease
- Lease
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/08/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 01/07/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/06/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
|
| 01/05/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
|
| 01/03/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
|
| 01/03/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 01/03/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 01/02/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Postal mail |
|
|
|
| 01/02/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
|
| 01/01/2024 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Trying to communicate with the company to fix an issue while managing or servicing your loan
|
|
Web |
|
|
|
| 12/31/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
|
| 12/31/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
Older American |
|
|
| 12/30/2023 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/30/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
|
| 12/30/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/29/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
Servicemember |
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
|
| 12/28/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
Older American |
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Problem after you declared or threatened to declare bankruptcy
|
|
Web |
|
|
|
| 12/28/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Referral |
|
|
|
| 12/28/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
|
| 12/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Older American |
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 12/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
Older American |
|
|
| 12/27/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
|
| 12/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/27/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Phone |
|
|
|
| 12/26/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
Servicemember |
|
|
| 12/24/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 12/23/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with signing the paperwork
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Phone |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with additional add-on products or services purchased with the loan
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
Older American |
|
|
| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
Older American |
|
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/20/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
- Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
|
|
Phone |
|
|
|
| 12/20/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Postal mail |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/19/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- High-pressure sales tactics
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Account reinstatement or redemption after repossession
|
|
Web |
|
|
|
| 12/18/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Phone |
Older American |
|
|
| 12/18/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Closing on a mortgage
- Trying to communicate with the company to fix an issue with the loan closing
|
|
Phone |
|
|
|
| 12/18/2023 |
Yes |
- Prepaid card
- General-purpose prepaid card
|
- Trouble using the card
- Trouble getting information about the card
|
|
Phone |
|
|
|
| 12/18/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
|
| 12/17/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
Servicemember |
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Problem with a trade-in
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Notice to repossess
|
|
Web |
Servicemember |
|
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/16/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
|
| 12/15/2023 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/14/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Deficiency balance after repossession
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/13/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Phone |
|
|
|
| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
|
| 12/12/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
|
| 12/12/2023 |
Yes |
- Payday loan, title loan, personal loan, or advance loan
- Personal line of credit
|
- Problem when making payments
|
|
Postal mail |
|
|
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/11/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with the interest rate
|
|
Web |
|
|
|
| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/09/2023 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 12/08/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Phone |
Older American, Servicemember |
|
|
| 12/07/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/07/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
Servicemember |
|
|
| 12/06/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with fees charged
|
|
Web |
|
|
|
| 12/06/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Phone |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
|
| 12/05/2023 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
- Payment process
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/04/2023 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
- Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
|
|
Web |
Older American, Servicemember |
|
|
| 12/04/2023 |
Yes |
- Credit card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Loan opened without my consent or knowledge
|
|
Web |
|
|
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 12/01/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Repossession
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
|
| 11/29/2023 |
Yes |
- Vehicle loan or lease
- Lease
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
|