Date Received: 2021-05-11
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I was charged lat fees when I have automated debit with the lender. Nobody is willing to help me, I called, I talked to the manager who asked me to send her my bank statement and there was no follow-up, extra charges are added to my account.
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: Santander consumer pressured me into purchasing a XXXX XXXX XXXX a XXXX car into a XXXX plus deal with 26 % interest on the loan when I could barely make it. I was in the military and they scammed good not even giving me at 10-15 % options when I was XXXX years of age with a wife and child I was picking between paying my car note or putting food in our mouths. Along with XXXX XXXX in XXXX, La. They sold off the the sub prime loans and didnt tell me and in XXXX they didnt offer any relief during COVID-19 pandemic and wont release me my title to the car I was scammed into buying.They constantly threaten me with letters of repossession even when I would be on time with payments.
Company Response:
State: LA
Zip: 70501
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I called the company who is in charge of my loan they told me that I would have to send them proof of being in the military/ my military orders. I sent them then I called they said they had never received them so I sent them again they said it would be updated in a day or two has yet to be updated and its almost been a month. My APR is 21 % but since I am in the military it can not be over 6 %.
Company Response:
State: TX
Zip: 75501
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I the consumer have contacted SANTANDER CONSUMER USA several times in regards to violations to my consumer reports requesting validation of listed account on consumer reports. I have yet to receive a response in regard to listed account. I have attached copies of letters sent requesting validation. Account does not belong to consumer.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: +++++++++++++NOT A DUPLICATE++++++++++++++++++ Santander DBA Chrysler Capital Has violated the Fair Debt Collection Protection Act. 806. 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 : ( 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. 15 USC 1692e They contracted some very intimidating repo company with " cummin for that XXXX '' T-shirts to follow me to repossess the vehicle and they lifted the vehicle while I was in it and falsely imprisoned me in the vehicle until the police officer told them this was a breach of the peace. I have video evidence of all of this. On Saturday, XX/XX/2021 I was verbally and physically assaulted by the debt collectors when they lifted the vehicle with me in it. I closed my windows and called the police at which time the police got a witness statement and saw the video of the repo company blocking me in so a tow truck could hook on to the car and lifting me up while in the vehicle, the vehicle was damaged as a result of this aggressive unlawful debt collection attempt. I suffered injuries as a result and am seeking treatment. All of this happened at a gas station. This Company also committed predatory lending in this loan which they must pay me a restitution amount of {$240.00}.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX : Notice of Intent to Sue Dear Santander Consumer USA, This letter is to inform you that I have a claim against you On XX/XX/2021, for the contract where information was not disclosed on my contract within the XXXX XXXX, and you have several violations. Therefore I am sending you this letter and I am serving you and giving you the opportunity to settle out of court. The Right of Rescission, Pursuant 15 USC 1635, 15 usc 1605, 15 usc 1611, 15 usc 1640, for actual damages you have caused, also 15 usc 1602 ( f ) ( g ) ( I ) ( L ) The claim has not been resolved and unless it is resolved within 15 calendar days from the date of this notice, I intend to bring suit against XXXX Santander Consumer USA XXXX for XXXX damages or specify relief ). Report a positive balance this month and every month after to the credit bureaus for the accounts to reflect in a positive standing currently after my title is given to me free and clear of any liens. Please send the title and total invoice amount to the address listed. I am seeking compensation for the damages. To resolve the dispute or claim, I am willing to settle this out of court with the following. ( settlement offer listed above ). This offer is good until 30 calendar days. Unless resolved in accordance with the terms of this letter, you will be served with my XXXX XXXX. Your attention is appreciated. XXXX XXXX
Company Response:
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX several times have disputed this item. This account is over 7years old. Each time disputed it just has been updated with same info {$7000.00} Santander
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I initiated my complaint process with Chrysler Capital on XX/XX/2020, after reviewing my credit report and noticing errors with an old account. I sent a letter to Chrysler Capital via USPS Certified Mail requesting supporting documentation regarding the resale of a vehicle. I can confirm that the letter was received on XX/XX/2020, and was signed for by XXXX XXXX. I never received response to my request, so my next step was to dispute this account with the credit reporting agencies ( XXXX, XXXX, XXXX ) as it appeared to me that Chrysler Capital could not verify the requested information. The bureaus properly investigated, but the dispute came back as verified. Not only do they claim to have verified this account, but they have also increased the balance owed and changed the payment history without ever notifying me.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: THIS IS NOT A DUPLICATE COMPLAINT My complaint for the Santander unfair, misleading and deceptive business practices in the bankruptcy and repossession of my car letter is attached. I want Santander to answer the inquiries the company continues to dodge. 1 ) The bankruptcy exemptions make my equity in the vehicle part of the bankruptcy. Why does Santander refuse to return the vehicle? 2 ) Proof of Santander claim that my account was 'locked out ' instead of 'deactivated '? 3 ) Proof to show my account has always been a paperless account. Why did the company fail to provide Notifications of the repossession on my portal in the company webpage. Explain why payment arrangements, repossession actions and Account Notifications like the ones sent to my home were not included in my web portal? 3 ) Proper accounting of debits and credit to my loan? Where has the principal and interest payments been applied throughout the life of my loan. With full disclosure of the other fees applied to the account. What are you charging for? 4 ) Provide the call logs for XXXX XXXX and XXXX XXXX. These recorded calls show what I say true that I had a payment arrangement to return in XXXX XXXX to resume my monthly car loan payments? +++++++++++++++++++++++++++++++++++++++++++++++++++++++ THIS IS NOT A DUPLICATE COMPLAINT Santander Account No. : XXXX On XX/XX/XXXX at XXXX EST I faxed the Santander Bankruptcy Department and the Executive Team a copy of my Chapter XXXX Bankruptcy. Under the bankruptcy exemptions a car loan with borrower equity belongs to the bankruptcy, is to be returned to the debtor, for a repayment plan under the bankruptcy proceedings. I requested the information on where I can pick up my vehicle and the same as my experience has been with Santander for the last 3 months, the company chooses to ignore my requests. Please tell me where to pick up my car. Next, Santander staff claims that in XX/XX/XXXXwhen I went to my web portal on the Santander website my account was locked out because I tried to log in XXXX times. This is absolutely false. I do not have XXXX passwords to try to log into my account. I have NEVER had a problem logging in. The XXXX times Santander claims I tried to log in were in a two-week time period when I was trying to complete my part of the payment arrangement Santander and I made on XX/XX/XXXX My account on XXXX XXXX was de-activated. I am tired of the Santander lying, unfair, misleading and deceptive handling of my account that has resulted in a wrongful repossession and subsequent Chapter XXXX bankruptcy for my necessary vehicle. Please provide the Event Logs that show my account history for XXXX, XXXX, and XXXX XXXX. I have asked several times for an accounting month by month of how much money my payment goes to principal and how much goes to interest. I want to know where my payments have gone. I want an itemized accounting of the fees for this loan pay off. Please send me an itemized accounting of all monies applied to this account. As per my paperless option. Please submit this account either to my Santander web portal ( this information is Account Payment information listed as my option with paperless selection ) If you want you can send the information to my email address so that I may retrieve it in my usual and customary way of communication with Santander Consumer. I fail to understand why I have had to spend months asking for a break down from Santander Consumer. If the company does not want to follow the USA lending rules and regulations then you should do business in America. Santander claims my reporting of the payment arrangement can not be collaborated. The staff would like people to believe no record exist yet this is absolutely false. Every call Santander makes begins with the person saying, this is a recorded call. We live in a digital World every action on the computer system is recorded. Nothing occurs without the ability to verify. Santander wants people to believe no record exists because they do not want to show what I claim true. I had a payment arrangement with Santander staff in XXXX XXXX. In XXXX XXXX, the company changed my communication from paperless to paper, so that I would not know Santander began repossession actions, I am outside my home for work and that is the reason for a paperless account. My agreement with Santander is that a paperless account gets all Notifications, all payment information, all account communication online. Next, when I went in XXXX XXXX to make my payment, as agreed to in XXXX XXXX, I could not. Now Santander wants people to believe the account was locked out due to wrong password when in fact it was deactivated and my many requests to re-instate the account ignored. Instead, Santander sneakily came in the middle of the night and repossessed my car that I use for work. I have been swindled because Santander sees equity in my car. What Universe is this okay? You have to prove what you claim Santander. Verify for all of us to see what happened XXXX through XXXX XXXX on my web portal account. A person who makes the time to keep the lender abreast of what is going on, makes a payment arrangement, a borrower with equity in their car, is not going to allow a repossession to occur if they know about it. Thank you for your prompt attention to this matter. I want other borrowers to beware who Santander Consumer USA Holding Inc.is. I want borrowers to beware the constant lying and misleading, deceptive business practices the company employs. Because when I chose Santander, as the lender of my car loan, I had no idea what a corrupt company this is. My research shows Santander has been losing class action lawsuits since XXXX for the same problems I experienced in the repossession of my car. The class action lawsuit courts found Santander has unfair, misleading, and deceptive business practices. Santander Consumer even has a current SEC filing for lying to the people who invest in their company. The Internet is littered with people suing Santander for their way of conducting themselves. This is a National company with two other National companies swindling customers out of their hard-earned income. The following are a list of the lawsuits I found : The following is the XXXX link to the Federal Trade Commission ( FTC ) class action lawsuit for Santander Consumer that included State Attorneys from 34 States : XXXX XXXX XXXX, ( Retrieved from the Internet onXX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXXXXXX More legal problems with Santander Consumer unfair, misleading communication and deceptive practices : Department of Justice , ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXXXXXX U.S. District Court for the Eastern District of Arkansas., XXXX XXXX XXXX XXXX Santander Consumer USA , Inc. ( Retrieved from the Internet on XX/XX/XXXX ) :XX/XX/XXXXXXXX XXXX XXXX CFPB ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX v. Santander Consumer USA Holdings Inc. , ( Retrieved from the Internet on XX/XX/XXXX ) XXXX XXXX XXXX XXXX/ CLASS ACTION COMPLAINT FOR VIOLATIONS OF THE FEDERAL SECURITIES LAWS, ( Retrieved from the Internet on XX/XX/XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: During the COVID 19 pandemic, lenders like Santander Consumer USA were advertising how they would help their costumers during their financial hardships as a result of the pandemic. I called Santander to request relief under the COVID 19 relief act and was informed late payments would not have late fees and would not be reported to the credit bureaus during the pandemic and I trusted the person on the other line with the information I was being given. However I was charged late fees and the late payments did get reported to the credit Bureaus which subsequently dropped my credit scores. I was late XXXX, XXXX, and XX/XX/XXXX and XX/XX/XXXX. I called and messaged XXXX XXXX and was told they have the right to report accurate information to the credit bureaus however they are not answering to their promise to follow the covid relief act and not charge late fees or report during the pandemic.
Company Response:
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A