Date Received: 2020-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: in the month od XX/XX/2020, I made my monthly call to Santander Consumer to make payment on my auto loan and ask for a payoff. Agent told me the payoff was {$200.00} dollars. I asked was she sure, she said yes. She asked did I want to make payment by agent or automated system. I chose to use the automated system for which there is no astronomical fee. On XXXX XXXX, I made a payment of {$200.00} cents for the final payment with my XXXX XXXX XXXX XXXX debit card. The {$3.00} cents is the automated sytem fees. It has now been one month, I checked my credit only to find Santander reports I still owe {$190.00} dollars. This loan is paid in full, my credit score is affected, and I want this strickend from my report. along with the 3 late payments Santander said i made. Thank you.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Santander is reporting an auto loan on my credit reports with XXXX, XXXX, XXXX that is erroneous. I have disputed the account with XXXX, XXXX, and XXXX and no on ehas provided validation for the Santander account. I demand that this account be removed from the credit reports with XXXX, XXXX, and XXXX. SANTANDER Account number : XXXX
Company Response:
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: XX/XX/XXXX To Whom it May Concern, Santander Consumer USA has engaged in unethical lending behavior and ultimately debt collection practices. Apparently, Santander Consumer USA purchased my auto loan for my car from XXXX XXXX at some point this summer. I was never made aware of this transfer by mail, phone, or email. Since I purchased the car in XXXX, I have made every payment- every single month- on time via autopay. This equates to roughly 48 payments on time. Not only was I not informed of a transfer for my auto loan to Santander Consumer USA ( https : //santanderconsumerusa.com/support/contact ) but Santander Consumer USA did not appropriately continue my auto-pay at the time of transfer of the loan. They did not inform me of a problem and 90 days later I started receiving debt collection and delinquency calls from Santander. When they first called, I informed them that I did not have any accounts or loans with their firm because I was never made aware. Once I was informed that they held my auto loan, I paid the full outstanding amount {$1900.00} immediately in a one time pay on the XXXX of XXXX for my account number XXXX. Santander USA failed on many fronts, however, their unethical behavior has affected my credit score disproportionately and is now impacting my ability to finance my future home. A proper remedy would be a full reversal of their recent actions as well as a written letter stating their egregious mistakes.
Company Response:
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I purchased a XXXX XXXX from XXXX XXXX XXXX XXXX located at XXXX XXXX, XXXX, GA XXXX. At the time of purchase I told the sales rep ( XXXX ) I did not want my payments to go above {$1000.00} per month. She assured me she would get me a loan that would fit my budget. As a result she got me a loan with Santander Consumer USA. I was told my interest rate and the amount of my monthly payment ( XXXX ) and for how many months I would have to pay to own the car. At that point I agreed to the deal and they gave me the car on the spot without me even giving any money at that point. They said bring back the down payment at another time so I did. Turns out what they told me was false. The loan they got me into was structured in such a way I would never pay the car off. Santander not only charged my interest on the loan for the car but also charges me Daily interest on top of my agreed rate. So I have been paying on this loan for almost two years now and Santander keep over XXXX of my money and told me it ALL goes to the interest and not my principal balance. As a result I still owe the same amount on the car as I did the first day XXXX brought it home. I have tried to trade the car in with other dealer but the fact santander keep all my payment the car is worth less that what I owe by a large margin. This is not right!! I work to hard for my money to be taken advantage of by a lender and car dealership trying to defraud me. I contacted Santander and they said their is nothing they can do beside come get the car if I don't want to continue to pay. So if I turn the car in they not only keep all the money I have paid but they also get back their car for resale. PLEASE HELP ME.
Company Response:
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had an Auto Loan with Santander Consumer USA on a brand new off the lot XXXX XXXX XXXX. My car broke down ( timing belt popped ) and I did a voluntary repo. Well they put on my credit as a charge off in XXXX of XXXX well fast forward and it appears that Santander is involved in a lawsuit in several states. Georgia is one of those states and I reside in Georgia, which my vehicle will be apart of at the suit ranges from XXXX XXXX, for giving out extremely high interest rates to buyers that were basically vulnerable. I was a first time buyer never shouldve had an interest rate that high. The lawsuit states that Santander knew that the customers would barely even be able to afford the loan due to the high interest rates. So I want it removed off my credit. Santander never even sent me anymore correspondence about the auto loan or anything. I know they came and got my car but didnt say what to do next. They constantly called and harassed me week after week. I lost my job and it was extremely hard to keep up with the car note. And even looking at the balance it never seemed like it was going down. It was always high giving me the impression that no matter how much I caught up my car note I was never truly going to pay that car off. So this lawsuit will be a much appreciated relief. No one ever wanted to refinance my car loan nothing. I was stuck. This lawsuit proves just how negligent and manipulative Santander really was to its customers and much they preyed on the weak. So I want it off my report final.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XXXX XXXX, 2020, I received a court notice stating the plaintiff, XXXX XXXX XXXX XXXX XXXX of Santander, voluntarily dismissed the garnishment of my wages without prejudice. I then received another notice from the plaintiff on XX/XX/2020, that garnishment would resume. They failed to include the defendant 's claim form for me to formally reply to. I emailed Cooling and Winter on XXXX XXXX, 2020, and respectfully made them aware that I am seeking representation from the Attorney General 's office in regard to the class action lawsuit against Santander for fraudulent loans. I did not receive any response to my email, yet they have already started garnishing my wages yet again for a vehicle that was REPOSSESSED MORE THAN 10 YEARS AGO!
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: My XXXX XXXX XXXX was totaled on XX/XX/XXXX and I informed Santander of this. Prior, to this happening I made and setup payment arrangements on my account with the maturity date changing on my loan to accommodate these changes. My vehicle was totaled and the other driver and was liable.Their insurance company paid the value of the vehicle.Leaving me with a balance of {$5100.00}. I purchased GAP with the intent of being able to actually use it. Upon, discovering the lender had provided inaccurate information regarding my payment history and being behind in the amount of {$4700.00} GAP only agreed to pay {$540.00} leaving me with a balance of {$4600.00} and I'm continuing to accrue interest daily although the XXXX has been signed over and they've received payment on the vehicle as well.Currently, due to their greed my account is still open and I have a balance of {$5400.00} including interest.
Company Response:
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have sent several letters and phone call to Santander consumer USA. In regards to this matter. Back in XXXX and XXXX I was injured and spent a month and half in the hospital. At this time do to the circumstance I had my mother reach out to Santander consumer USA to make payment on my account. They told her that could not speak to hear because she was not on the account. This cause my account to have two late payments. I was never late for a whole year. I trying get a approve first time home buyer and I don't want this matter to cause me to be denied.
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased my XXXX XXXX XXXX on XX/XX/XXXX with XXXX ( XXXX, Tx ) and they used Santander Consumer USA for financing ; and still have an $ XXXX balance on the account as of today XX/XX/XXXX. So far today, I have paid a total cash payments of {$31000.00} on a {$22000.00} loan. The total {$22000.00} of the {$31000.00} cash payments has gone to interest only and is still showing a balance of {$11000.00} on the account. The interest rate is showing to be 18 %. I have asked for help to resolve this matter in help reducing the interest rate and showing how each payment is applied to my account if the interest is calculated per diem. Instead Santander sends out letters to accelerate my account due the struggles of paying for my auto. I believe Santander Consumer are demonstrating unethical practices and with the recent {$550.00} Million Settlement over alleged deceptive auto loan practices does not surprise me not one bit.
Company Response:
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchased this vehicle new in XXXX of 2013. The vehicle was supposed to be around {$31000.00} plus negative equity from my trade-in. I have paid Chrysler Capital over {$58000.00} towards this vehicle. My payments are just under {$800.00} per month. This is something that should have never been given to me because of my debt to income ratio. I have struggled to pay for this vehicle the entire time that I have owned it, yet I have still managed to pay over {$58000.00} during the last 8 years. Nearly {$35000.00} has gone towards the interest. I have never been able to refinance this loan because of Chrysler Capital 's high-interest rate of 18 % keeping me from getting any of the principal paid down on the car. I am sitting here with a pay-off balance over {$11000.00} still, with a car that is only worth a fraction of that. I have tried multiple times to get out of this loan. I have begged Chrysler capital to help me out, but they have only ever done a loan modification or a payment deferral, which caused me to pay much more interest than I should have. Chrysler Capital has too many unfair lending practices for sub-prime borrowers and they need to help people the right way and be an honest company. They have received enough of my money already.
Company Response:
State: TX
Zip: 793XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A