Date Received: 2021-05-26
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: Santander Consumer Loan has already been sued by the Federal government, however they refuse to do the right things as agreed upon in court. I am very upset at Santander reply to my request for help. Like many other consumer who obtain these bad loan I need relief as its weighing heavy on my health and XXXX state knowing that SANTADER has violate Federal law and taking advantage of minority consumers. I reached out to the CEO, Georgia Attorney General, Congressman XXXX XXXX, Governor XXXX XXXX, XXXX XXXX XXXX, and many other to look closely into this matter as the consumer of these bad loans are still suffering without the promised relief from Santander Consumer USA. After, my inquiry and proposal I was told by a Rep sorry just make your payment because you are not behind and there is nothing we can do. The Rep also, stated that I should get the loan refinanced to reduce the payment. The funny this is no finance company wants to deal with consumer because they dont want to be tie to the fraud and abuse from Santander Consumer Loan is known for. The call was pointless today XXXX XXXX, XXXX, XXXX @ XXXX ) from the Rep. I will push for relief to my last XXXX breath, because as a XXXX women SANTANDER prayed and offer bad loans to us for capital gain violating federal law. LAW FACT : Santander Consumer Loan allegedly violated consumer protection laws in targeting buyers who were more likely to default for risky loans, according to court papers filed in XXXX XXXX XXXXSantander agreed to pay {$65.00} XXXX in restitution to subprime consumers people who dont have adequate credit scores or histories who defaulted on loans between XXXX XXXX, XXXX, and XXXX XXXX, XXXXConsumers across the US who defaulted on their loans and havent yet had their car repossessed as of XXXX XXXX, XXXX, will be given the titles to their vehicles and have the balances on their loans forgiven totaling up to {$45.00} XXXX. In addition to pushing the risky loans on applicants likely to default, Santander allegedly turned a blind eye to dealerships that let consumers fudge the numbers on loan applications about their income and expenses, including mortgages and rent costs. Santander would allegedly confuse and mislead consumers about the costs of partial payments or extensions on their loans, including not informing them that a payment wouldnt necessarily stop their car from being repossessed, according to the court papers. Going forward, Santander has agreed to not give loan extensions to people who default and have no more income. Santander has also agreed to forgive loans for people who default in the future, if their loans were found to be unaffordable at the time of signing. The bank will no longer allow problem dealerships to waive proof of income and expenses by applicants.Santander defrauded desperate consumers by placing them into auto loans the company knew these customers could never afford to pay, resulting in defaults and negative ratings on consumers credit reports, XXXX said in a statement. This settlement will not only provide much needed relief to struggling XXXX XXXX but will ensure Santanders dishonest behavior is put to an end immediately. Santander said in a statement, SCs voluntary agreement with the attorneys general resolves a legacy underwriting issue stemming from an investigation that commenced in XXXX, and is another key milestone in addressing issues related to that time period. We are pleased to put this matter behind us. So do consumer that was taking advantage of through a real program with loan forgiveness or loan modification. PLEASE REPLY WITH A REAL SOLUTION VERSUS, AN IM SORRY THERE IS NOTHING WE CAN DO! PLEASE REPLY BACK VIA EMAIL ONLY
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: To Whom It May Concern, This complaint is dealing with Chrysler Capital ( Account # XXXX ). My vehicle was paid off XX/XX/2021, Chrysler Capital received the check-in or about XX/XX/2021. Chrysler is still attempting to get me to make payment on an account that has been 100 % paid off to this current date. I have spoken with Chrysler customer service ( XXXX ) multiple times and acknowledged receiving and processing the payment. Chrysler has not updated my online account nor credit report showing the vehicle has been paid off ; however, they continue to call me attempting to collect on a debt that is no longer.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I entered a consumer credit transaction with SANTANDER and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that SANTANDER claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. SANTANDER has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me
Company Response:
State: LA
Zip: 70810
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I purchased a vehicle secured by a loan through Santander. The vehicle was subsequently repossessed and resold. In 2020, I received a postcard stating that I was apart of a class action lawsuit with Santander and that Santander is REQUIRED to REMOVE ALL information from my credit reports at all three credit bureaus. The information is still reporting as a repossession. I called Santander and they stated that they sent the appropriate paperwork and there was nothing else that they can do.
Company Response:
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Hello, I returned my lease of a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The leasing company is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account # XXXX. My leasing company is stating I owe a {$390.00} return fee which I believe I already paid. I believe they have payments posted incorrectly or in an escrow account that they aren't applying correctly. I paid all my payments plus the return fee in XX/XX/XXXX. Their system is horrible & I can never speak to the same person & every person I speak to just tells me I owe the money. They want to go over what was posted when but they also don't post things correctly. They send me an itemized list but when I call they can't review the list with me because they said it was sent by someone else & I can't talk to that person & they can't see what was sent to me. Its a vicious cycle. The most recent statement online and the last one I received stated I only owed {$460.00} for taxes which I paid & the payment was posted on XX/XX/XXXX. When I call they say well that was posted to the return fee so you still owe the taxes. I asked the leasing company for the following information : 1. My contracted amount for the whole term of the lease ( I have this amount but I want to make sure they have it noted correctly in their system ) 2. The total amount I paid from day one to today. ( At the signing of the lease I had to pay the first months payment ) 3. The total taxes paid to my town along with copies of the tax bills from the town. They only provided me with only 1 statement from their system ( not the town bill ) for tax year XXXX. I tried looking on the XXXX XXXX XXXX XXXX tax data base online but there are close to 500 vehicles under XXXX Auto lease so I couldn't tell which is mine. 4. The total and description of any other fees I owed or were charged. 5. A bill to accurately show what I owe because online doesn't show I owe anything. I requested this information numerous times to check their postings to what I actually paid but they won't give the totals to me. Basic accounting-I would like to take the totals from # 1, plus 3 & 4, minus # 2 ( my pymts ). That will tell me what I owe or what I overpaid. I have a bunch of files that they sent me that don't make any sense. I will send the attachments to you so you know what they are putting people through. The most ridiculous one is the itemized statement which has every dollar amount listed in the same column, there are no plus or minus sign anywhere. I added this column up and it was over {$100000.00}. It is ridiculous. The documents that I received from them via email came from XXXX I tried replying to the emails but the email doesn't accept emails. Also when I log onto my account online, the 1st screen says I have a past due monthly payment ( {$200.00} ), When I view the most recent statement it says I have no monthly payments due but it states I owe {$460.00} with no details. I will attach print screens so you can see. Also, I can give you my username & password so you can see for yourself. Please call or email me if you you would like for me to go into more detail & /or for my signon to Chrysler leasing system. Thank you, XXXX XXXX
Company Response:
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a Victim of identity theft my personal information was stolen driver license, social security, bank statement, medical and as a result of this several account were open fraudulently 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
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I took out a car loan with Santander USA for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to Santander to tell them at the time I lost my job and needed assistance. Santander arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such Santander end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with Santander they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. Santander through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : https : //santandermultistateagsettlement.com/Home where I have come to now realized how Santander has taken advantage of me and so many others across the country and I need my situation to be resolved. I contacted Santander in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with Santander before I escalate this matter any further.
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: Santander consumer USA agreed upon a class action settlement from the year XXXX to present. The agreement state that are to forgive any loans provided between the year XX/XX/XXXX with qualifying factors. One of the factors being that the account had to have defaulted between the yearsXX/XX/XXXX in which my loan had done twice as a result of me not being able to keep up with the payments because of the increased interest rates. My states Attorney General did file a complaint within the class to deem all account holders eligible under those certain circumstances. I can provide proof upon request. This account is holding up from getting a house for my children. Any help provided will be greatly appreciated. This account is under litigation and should be deleted from my credit report.
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Purchased a car in 2013. The car was stolen and vandalized. The insurance company total the vehicle out. I also had GAP insurance on top of my regular insurance. Whatever my regular insurance didn't pay for GAP took care of the rest. {$21000.00} total and a balance of {$11000.00} is still on my credit report and this is false. This account has been taken care of by the insurance company and closed.
Company Response:
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2021-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A