Date Received: 2020-11-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Hello, and I hope all is well. Thank you for taking the time to review the complaint. XXXX, XXXX assist with the purchase of a XXXX XXXX XXXX used for XXXX. The total amount of Finance {>= $1,000,000} included a co-signer, XXXX XXXX. Payments are {$210.00} for seventy-two months. Many violations occurred during the time of purchase. Questioning the entire purchase. According to the Comptroller of Currency, Santander Consumer ServicesXXXX violated a series of occurrences. Unfair Deceptive Abusive Act Practices. In XXXX, a series of late payments occurred. A credi-risk allowed her credit score to become compromised and decrease her creditworthiness. Strategic Risk occurred when operations extended a line to purchase a vehicle with a co-signerthe APR 16 % with a time frame of 72 months. With the Resilience score, not an acceptable rate for financing, the co-signer resilience score was more compromised.
Company Response:
State: PA
Zip: 17104
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a car loan through Santander USA. I made my final payment, after receiving the pay off balance through Santander. The final payment was made on XX/XX/2020. On XX/XX/2020 Santander reported my account closed and 30 days late. I have never been 30 days late. I called Santander and was advised by customer service to go through the credit bureaus because it was faster. The customer service agent for Santander reviewed my payment history and said I had an exceptional payment history with them. She also said she didn't know why they reported me late. I filed disputes with all three bureaus. Santander doubled down and denied my dispute and still kept me at 30 days late. I called Santander again. Customer service again said I had an exceptional payment history and was never 30 days. They then told me to submit my dispute to them in writing. I did exactly that. I never heard from them. I filed another dispute with the credit bureaus in XXXX and Santander STILL denied me and kept me late. I called Santander just now and after being on hold for 30 minutes, they hung up on me. I tried to log into my account online and I am now blocked from signing in. I am completely frustrated and need help.
Company Response:
State: TX
Zip: 77064
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: New car loan in XXXX. Low down payment, poor credit with co-sponsor, but needed car in order to work. $ XXXX/month! Was told that if I paid for two years, I could trade in and lower payments. Unable to do this due to late payments. Car valued at {$18000.00} brand new. In XXXX, talked with a dealership about trade and was told that I had already paid in over {$32000.00} at that time. Loan amount due at that time was {$24000.00}!!!!!! Unreal! He told me that a LOT of people were in for this predatorial lending! Spoke with creditor many times about lowering payment due to financial difficulties. I complained to them about this and it should be noted in my file! Could not file bankruptcy due to the impact it would would have on my co-sponsor. Lost my job in XX/XX/XXXX and could not get a XXXX position due to COVID. Had filed for unemployment for XXXX - XXXX but never received. Spoke with XXXX many times that I would try to make payments once I had received unemployment funds. Unemployment funds were not received until late XXXX but not covered by COVID funds. Car was picked up the first week of XXXX. My mom had heard on XXXX XXXX show that a class action suit had been filed. I am a prime candidate and hope I may be included in this suit!
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: XX/XX/XXXX I purchased a car and was financed through Santander. My load matures XX/XX/XXXX, I placed a car to confirm the maturity date on XX/XX/XXXX and it was confirmed. I received a call this morning XX/XX/XXXX and told " I now owe {$8900.00} and have to pay it by XX/XX/XXXX or take out an additional loan for the balance and it will extend your loan for 2 more years or we will report your loan late until you pay off the additional fees ''. I have no late payments for the life of the loan and have no additional penalties unless i paid the loan off early.
Company Response:
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have received my recent credit report and the follo0wing hard inquiries have pulled my credit report without my consent or authorization I have tried to contact the below consumers and have not received an response or removal of fraud information from my report. unknown and nonconsent company credit pull : XXXX XXXX Santander Consumer UsaXXXX XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have fell behind on my car note the last few months after being diagnosed with XXXX and being XXXX for almost 2 months. I have spoken with the finance company Santander Consumer because my car note is due on the 1st of the month and I absolutely cant make my payments on the 1st I have begged and pleaded with them to change my car note until the middle of the month but they constantly refuses and I will forever be behind on my car note. The interest rates are so high and I owe more on the car than its worth Im stuck in a situation and they will not offer any help they offered me a few extensions while I was XXXX but thats it. I never received any information about the settlement when they were sued I shouldve received my title to my car because i qualified but I was over looked. I currently owe {$19000.00} on a XXXX XXXX XXXX and my payments are {$470.00} a month they are getting over on a lot of people with the tactics they are doing. Ive spoken with managers and they still will not offer me any help with this car loan that Im stuck in. I have had this vehicle for almost 2yrs and if the give you and extension they add so many fees and high rates that you have to pay back Im just a huge lost right here with Santander Consumer
Company Response:
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1. On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 2. On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 3. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Company Response:
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: 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 my investigation results.
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Santander is in a lawsuit settlement for unlawful practices with lending. I obtain a loan with them in XX/XX/2018. I was in an auto accident and could not to continue on the loan. The loan was written off as a loss but I believe that this mediation should be able to get me loan forgiveness.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: Good evening XX/XX/XXXX I tried to reach out to Santander about the lawsuit that's going on with the company because I think I should be part of Loan Forgiveness and Car Title because I have Defaulted on the loan but the vehicle was not repossessed I couldn't get any help from the person on the phone they were very rude because I would not give them my address to collect a debt. SANTANDER CONSUMER USA Date opened XX/XX/XXXX Status Charge-off XX/XX/XXXX Past due amount {$21000.00} Original loan amount {$27000.00}
Company Response:
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A