Date Received: 2020-09-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: My problem with Santander is they over-charged me a extra {$10000.00} for a XXXX XXXX XXXX the price really should have been {$22000.00} but they " REFUSED '' to correct their error. Also I was never late paying on my car note. They Re-Age my account by reporting the date of the last activity instead of the date of the first delinquency. This is a direct Violation Of the " Fair Credit Reporting Act. '' Violation : Consumer Protection afforded by the FCRA LEGAL JURISDICTION : FCRA Section 605 ( c )
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.
Company Response:
State: AZ
Zip: 85138
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, This vehicle was taken in 2016 when I called the lender and they ended up selling my vehicle as well as reporting to the IRS as a lost. This account was supposed to be deleted but they have not done so. The vehicle was sold to me at an extremely high interest rate and I was a victim of predatory lending due to the fact that this vehicle lasted me 2 years due to my engine dying. I was told last year, this account was going to be deleted and when I tried to get this deleted from my credit reports, it came back verified. The credit bureaus did not send me proof of the verification so I still have this on my credit report. This needs to be deleted please as I am trying to get my life together for my household. Please help me in this matter!
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I was in contact with bank that financed car and advised that I had been affected by corona virus by reduced hours from XX/XX/2020 to XX/XX/2020. We were required to exchange shifts with each other so that all were allowed to have at least some hours until logistics were figured out for working from home. We were only allowed 10 people per shift. Bank stated they would give me a two month extension due to issue. On XX/XX/2020 I received notification from credit bureaus that my account with Santander Consumer USA Inc had been paid in full due to natural disaster.
Company Response:
State: TX
Zip: 76901
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I currently have a open account with Santander Consumer on my car. This was my first car and at that time I was in need of a new car and thought that a first car loan would be some how similar to first home owner loan. I was looking forward to partner with a company that had my best interest at heart. Getting in to this loan with Santander at some points showed otherwise. I always believed that the loan was not a good loan but I did not know how i would be able to prove this. After seeing the lawsuit that this company currently has I felt better that I wasn't the only one. Throughout my time in this loan there were times that i just could not afford making my payment and Santander provided assistance ( may be twice ). There how has been more times in which i reached out to this company to request assistance with my payments, not so much saying I cant pay at all but requesting an extension and I have been told on many occasion " Well theres nothing we can do '' " you will have to just call back when you can actually make the payment ''. I would request that a note be placed in the system and i would get statements like " well that wouldn't help if the car is repo ''. This companied failed me on so many different occasions that I gave up so many times. I can recall a few months this company reported to the credit bureaus that I was late on my payment however the ONE time I was able to make a payment arrangement I was told that the payment for XXXX and XXXX would be mark as current due to the assistance that was provided due to COVID. This company turned around and reported my account as pass due for both months. The bad thing about this point is that when I called I was prepared to make the payments but because this assistance was provided I was told it was not needed and my next bill would not be due until XXXX. This messed up my credit tremulously to the point that I was denied of a home loan that was previously approved due to this. When I called to discuss the issue the transferred me to at least 5 different people with NO one being able to answer my question. I knew at this point they could not justified their error. They even got someone from the corporate office to " apologize '' however it is still reporting. I am at a much better place financially and these late payments are preventing me from accomplishing a lot. I truly believe this company has the ability to be great however they are making it worst for individuals instead of helping them. With the current law suit I hope this company is working toward better policies to include approval criteria. While I understand I am fully responsible for this loan, I plan to continue to make payments until it is determine if I am apart of the lawsuit. While I understand this process may take longer than expected due to the number of people this actually effect, I do believe something can be adjusted until this occurs. At this time I am requesting this company to do one of the two below things : 1. Remove all late payments that are currently reporting to my credit report. While the 4 late payments from last year resulted in me being late, due to the companies targeting populations that are predicted to have a high likelihood of default I believe these late payments should be covered until this select of the lawsuit. I am constantly being told that my car payment compare to my debt to income ratio at the time of me receiving this loan was definitely too high which was also covered in the lawsuit ( Preferred solution ) OR 2. Remove the account as a whole from my credit report until the lawsuit is completed. This request is in no way my way of stating that I will stop making payment because I will continue to make payments on time as I have been doing for the last 6 months however I do not believe this account should continue to report on my credit until the lawsuit is completed ( would be 8 months if I was not taken advantage of as explain above in regards to the late payments in XXXX and XXXX ) This company has contribute to a lot of the downfalls for me currently. I am however also taking responsibility for my action as well and is why I will continue to hold my end of the contract and make payments until the lawsuit is completed. Just like the settlement in the lawsuit, i have faith Santander will continue to show great faith and partner with me to solve this current problem. Please understand that if one of the above steps is the resolution to this company, this will not take the place of my right to receive any settlement as part of the current lawsuit.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I called santanders consumer USA to lower my monthly payment and they said they cant help me I am currently paying XXXX a month on a used vehicle that dont pass state inspection because it needed parts that the mechanic is trying to find. The vehicle is used and it was rotten at the bottom of the car we got it in 2015 with a high interest rate of 24.9 % I am struggling.
Company Response:
State: NY
Zip: 137XX
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Dear Santander Consumer USA Incompetent Legal Team : Im just going to keep this short because I think the long complaints dont get the job done. You stated I am not qualified for the settlement due to my state not being on the list of eligible states. My car was purchased and voluntary repossessed in the state of Georgia. The address associated with my car is XXXX XXXX XXXX, XXXX, GEORGIA. I have also contacted the Georgia Attorney Generals office and was informed that Santander should be mailing out notices to Georgia residents ( over 20,000 notices ) by the end of XX/XX/2020 Per your website : What states are included in the settlement? You may qualify for relief if you were a resident of or purchased a vehicle in one of the following states when you got your Santander auto loan : o Arizona, Arkansas, California, Connecticut, the District of Columbia, Florida, Georgia, Hawaii, Illinois, Indiana, I WAS A RESIDENT OF GEORGIA AND PURCHASED A VEHICLE IN GEORGIA. THE VEHICLE WAS SURRENDERED IN GEORGIA. Again, please stop insulting my intelligence. Again, the offer of a pay to delete stands but the account has to be deleted from my credit reports.
Company Response:
State: ND
Zip: 58501
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX the car was purchased. On XX/XX/XXXX the first payment was made. On XX/XX/XXXX was the first payment due. A total of 16 payments have been made. The next payment should be due XX/XX/XXXX. I have attached the evidence showing the original date due for XX/XX/XXXX. After I requested the revisement they sent me a new payment due of XX/XX/XXXX which also has been attached. I have attached both the original date and the adjusted date both are incorrect. The correct date should be XX/XX/XXXX. So two payments are missing after adjusted request.
Company Response:
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I turned my truck in 3 months and 1 week early. Apparently there is early termination fees in you turn a vehicle in earlier than 4 months - i spoke to chrysler capital several times before turning this in and it was never told to me. Regardless, I turned it in. Paid all the fees and paid my lease off in full. My credit report then alerted me that I owed an additional {$840.00} to chrysler capital. I called several times. Nobody could tell me what this was for. To protect my credit, I paid it, but to my understanding, I did not owe this money. It is reporting to my credit as a debt and I am furious. This company is terrible.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Over the course of my lease since XXXX, I have been assessed a number of fees without any explanation for those fees. In the last 3 years, I have attempted to log in online and learn more about those fees. Unfortunately, I have not been able to do so. So, I have deal with Chrysler Capital over the phone, including my call to them today. I have recently received a bill from Chrysler Capital. It included yet another fee. The description is very scant and just says " Assessment. '' When I called Chrysler Capital today XXXX XX/XX/XXXX XXXX, I initially spoke with XXXX. When I explained to XXXX my situation and my frustration with Chrysler Capital, she told me that would need to transfer me to another person, who should be able to provide me with a copy of the bill. I also asked her, if the company could share copies of all bills they they have received of the past three years, so that I could have a clear understanding of : a. ) what organization send bills, b. ) the amounts, c. ) why Chrysler just blindly accepted those charges. XXXX passed the call onto another representative. This time XXXX XXXX XXXX XXXX told me he would look into this and see, if he can share with me the requested information ( i.e.g copies of all bills ). Over 30 minutes later, after I started talking to XXXX, XXXX tells me that he is not able to provide me with any copies, either for the current bill ( the most recent assessment in XXXX ) or let alone for old bills. XXXX also tells me : " You will need to call the state and find out from the state what that fee is fore. '' I asked him what states and what organization in the state. He told me he does not know. He didn't have any names, he didn't provide organization names, he didn't share any phone numbers. I asked him to escalate the call and speak to his manager. He told me he would oblige. Some time later, he returned and told me that the supervisor is not available and I would need to call the state. Moreover, XXXX told me that I had a different address on file. So, I told him that I have been receiving monthly statements from them in mail since XXXX and at the correct address in XXXX TX. He told me he does not know how, because the address in the system is was from XXXX VA. So, essentially by the end of the call : 1. XXXX acknowledge that he understand how frustrated I am, 2. He told me to call the state and provided no additional helpful info ( names, phone numbers ), 3. He told me that the supervisor will not be able to call me back, 4. They are not going to wave the fees, 5. They will not be able to share copies of the bill ( s ), 6. And there is nothing else he can do due to system limitations. Over the past 3 years, I have accumulated over {$1700.00} in fees and I have no idea what those fees are. I still can not log into Chrysler Capital online account.
Company Response:
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A