Date Received: 2021-04-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: there is a high balance showing inaccurate on my credit report for a loan with SANTANDER CONSUMER USA. this company never validated that i have a loan. this account is fraudulent and they never sent me a contract with my signature attached to the the loan they say i have with them. this is messing up my credit and i need to have this removed from all 3 credit reports. its also showing inaccurate / different balances on my credit report. i have called several times to have this corrected and no action has been applied. see attachment below date : XXXX last 4 of my ssn : XXXX DOB : XX/XX/XXXX
Company Response:
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as 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 HAVE THEM IMMEDIATELY REMOVE
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2021-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
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 XXXX and Santander reported inaccurate information to XXXX which they used to decrease my credit score by nearly 40 points. Experience also had me sign yp for boost, then used it against me because they lost the connection to my back. They cited no report of payments while the connection was lost for more than 60 days. But I contacted them within 15 days of notice that the contact loss notification appeared on their website. When I could not reset it according to their instructions I called them to find out if this was a systems breach or scam. They did not fix the connection at the time and I could not fix it until about 10 days ago. By then XXXX had scammed me and made 3 complaints which lowered my credit score. All in all experience and XXXX XXXX don't show accurate depictions of my financial life
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I traded in a vehicle to my local dealership this week. The original loan I used with this vehicle was through Santander. A year after I owned this vehicle I refinanced the loan through another lender due to high interest rates Santander provided. When going through the paperwork to trade in my 2013 XXXX XXXX, the dealer looked up lien information for the vehicle. Turns out Santander never sent a lien release to the state of Georgia for the original loan. So when the dealer looked up lien information it shows multiple liens on this vehicle. They are holding my vehicles title status hostage. When contacting Santander Title Department to get this situation rectified, the customer service representative I originally talked to was extremely rude and condescending. She even said she would not help us or provide information. I need this rectified, the dealership is in limbo and I may be out a trade.
Company Response:
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
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: Santander is indeed a 3rd party to this transaction. They do not have first hand knowledge of what actually took place or what was said at the dealership, I wan na start this complaint by stating i never received my right to rescind as federal law states i have the right to. 15 USC 1635 " the DELIVERY of the information and rescission forms required under this section together with a statement containing the MATERIAL DISCLOSURES required under this subchapter, I never got told i had a right to rescind let alone material disclosures on how to exercise those rights, a cooling off period is not a RIGHT TO RESCIND. FEDERAL LAW NEVER STATES ANYTHING ON COOLING OFF PERIODS. I also received a NOTICE OF INTENTION TO DISPOSE OF MOTOR VEHICLE, that is also a violation of 15 USC 1692d 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 : ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I have contacted Santander Consumer several times regarding my loan. 3-4 times in XX/XX/XXXX and two times in XX/XX/XXXX. My loan came to maturity in XX/XX/XXXX. I contacted them to see if I could continue paying my monthly payments or even doubling up each month, so I can get the amount paid off quicker. The amount left over, is XXXX. I have been paying on this loan since XXXX. I asked them to look into my account, because I do not understand why the amount is so high. the manger I spoke to XXXX, stated that the amount is correct and that is what I owe. He said they will not work with me to continue paying by month. They will continue to hit my credit each month until the entire {$6700.00} is paid and it could be in risk of repossession. I have been paying on this loan since XXXX, and now it's at risk for repossession even though I have made my payments on time. I think they have made mistakes in my account and I believe I'm being taken advantage of. They will not even work with me. You would think, with eveything going on in the world during this pandemic, they would work with their customers. I need a resolution with a payment plan, I am willing to pay every month and even double up on the payments. XXXX XXXX
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a formal complaint against XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a formal complaint against Santander located in XXXX XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Santander has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response:
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX my vehicle was involved in an accident and declared a total loss on XX/XX/XXXX. My insurance agreed to a settlement amount of $ XXXX. XXXX insurance agreed to cover the remaining balance on my loan. My insurance mailed the check on XX/XX/XXXX. It is now XX/XX/XXXX and XXXX has not acknowledged payment from my insurance on my account to close the loan out. I have now called 5 times to inquire on the status and every single time, the employees are unhelpful, inept and do not have a resolution. They simply state I have to make payment on the loan, yet I have not been in possession of the vehicle for over a month now. I also emailed their Total loss department directly, and surprise, no response from them either. Based on reviews online, this seems to be a recurring pattern with them. I want this loan closed and removed off my credit, as it is now affecting my refinance process on my mortgage.
Company Response:
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Its has been a struggle, with this company getting my XXXX refund back from Santander Consumer USA. XXXX sent them a check back on XX/XX/2021. Ive been calling them around XXXX XXXX to see if they received the check. I called several different representative at this company even spoke with Managers never received a valid answer. Only XX/XX/2021 a rep informed me my check was sent out. I called back a week later the gentleman told me, he do not see a check in the amount of {$570.00} and hes not sure why the person told me that. So once I ended the call with him. I contacted XXXX to advance them of whats happen. XXXX informed me they cashed the check on XX/XX/XXXX, n gave me the check #. Rep has hung up on me when ask to speak with management ( XXXX ), also keep you on hold for 15 minutes without coming to check or give you a status on whats going on. Something need to be done with Santander Consumer USA. I still havent received nothing. Its even hard to get through once the account is paid off. This place should be closed down toooo many complaints on XXXX
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A