Date Received: 2020-09-18
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: When we had got the vehicle from the car lot they did not tell us that the loan had day to day interest and that we only had to pay the x amount each month. Not only that but car was damaged and we asked them prior before buying if the car had any problems what so ever. They said no and as soon as we start driving it the frontend started having problems and the trans started to go bad so we ask them to fix the problem and did not do so even tho they had the car for almost XXXX weeks and we got it back the same problems were still their. The car lot got into trouble for selling vehicles that weren't inspected by the state and the loan company did not check to see if the car lot was following state laws and having the vehicles inspected.
Company Response:
State: TN
Zip: 37921
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received my credit reports and observed Santander Consumer USA as a listed debt with a XXXX balance on all three of my credit reports ( XXXX, XXXX and XXXX ). XXXX reflects that {$3200.00} was written off ; however, XXXX or XXXX does not reflect a charged off dollar amount. I do not recall this account ; therefore, I mailed a certified letter, XXXX XXXX XXXX XXXX XXXX to Santander Consumer USA on XX/XX/2020 and per the United States Postal Service tracking website, it reflects that Santander Consumer USA received my validation letter on XX/XX/2020. To date, I have not received a response nor any validation of any sort from Santander Consumer USA and this is quite frustrating. They are placing a negative account on all three of my credit reports but won't provide any documentation or response of any kind to support this debt belongs to me. They have had more than 30 days to respond to my certified letter.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I am XXXX XXXX XXXX Servicemember. The vehicle was purchased after joining the service but I am still elgible under certain parts of the XXXX to protect myself from repossession. My vehicle was siezed by an agent ( Colleteral Recovery based in XXXX NC, I am local to XXXX XXXX XXXX, of Santander Consumer USA on XXXX around XXXX from my local address. I contacted the company today to inquire as to why it was seized. They stated my auto payment had been bounced back in XX/XX/2020 due to insufficient funds but was reassured there would be no issue moving forward as to autopay and making that payment online that was bounced back. I was never contacted about this by phone or email in regards to this issue. I attempted to make a payment on the first of XXXX online with the payment portal and it stated I had to contact them by phone due to error processing payment. I did so and they stated it had been bounced back but I could do it online again and submit it as they couldnt currently due to covid process over the phone payments. I attempted to due so and it didnt go through again. I have since then on the XXXX and XXXX of each month attempted to pay online as per their only allowed payment methods with the error message popping up and each time. Upon waking up on today, XXXX I discovered my vehicle has been repossessed overnight. I contacted the bank, received the name to the company who was their agent of Repossession and stated I would like to discuss with someone from the XXXX department. They were unwilling to transfer me stating I am not eligible at all for this protection. I asked if any sort of court order or judgement was signed authorizing the repossession of my vehicle. They stated they didnt need XXXX. Also stating I never signed any sort of waiver waiving my rights to the XXXX. Upon legal counsel acquired this morning I am not eligible for the loan to be capped at certain interest rates but must still receive a court order to have the vehicle taken. My wallet, military id social security card and drivers license are all in my vehicle and I have attempted to find out who has taken the vehicle to at least claim back those items as I need to them for work and have been hung up on. Please assist me as I feel my rights as a Servicemember have been utterly and completed violated under this act and that they didnt do their job to verify I was XXXX XXXX when I initially acquired the loan and my vehicle unlawfully taken without proper court mandated authority.
Company Response:
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: After repossession of my vehicle, there was a 33 State Predatory Lending Class Action Settlement against Santander Consumer USA where Santander agreed to relieve loans and help repair the credit of individuals affected by their predatory lending practices. This was for auto loans placed between XX/XX/XXXX through XX/XX/XXXX. I purchased my vehicle in XX/XX/XXXX, my repossession happened in XX/XX/XXXX. So after several attempts to get the account removed from my credit profile after learning of the class action settlement, Santander then turns around and sells the debt to XXXX XXXX XXXX, a collection agency on XX/XX/XXXX. As you can see in the attachments, Santander just settled the case earlier this year, XXXX. According to the agreement, my debt is to be forgiven and the account status updated to positive or the account removed from my credit profile altogether. In no way was this account to be sold to a collection agency. Because of what they agreed to in the settlement, this has now become a violation and need to be corrected within 30 days of receipt of this complaint.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: At the time that this account was opened on my credit profile, I was not given prior notice that such action was going to take place. The last I had known, that particular account had been closed! Upon seeing it newly opened on my account, I only realized after doing some research that it was related to my past closed account with Santander Consumer. My last known notification was around XX/XX/2019, asking for about {$1000.00} to settle the account. At the time I was on maternity leave without pay and could not afford it. Shortly after, about 4 months later, while still on maternity leave I further experienced hardship by then being placed on furlough from my place of work due to the Covid-19 pandemic. So in the midst of all of this, the newly opened account popped up on my credit profile without prior given notice and when I researched and called, that is when I discovered that a new company called XXXX XXXX had acquired the account and was asking around about {$1500.00} to settle the account. I tried explaining to them both my situation and disposition but they were unwilling to accept any amount less.
Company Response:
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-17
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Ive been with Santander for about 4 years and 1 month. They recently came and got my car this week. I have missed payments but I was still trying to communicate with them and tell them why I was missing payments. Which was because of being on leave from work with no pay. And I recently just got put on leave again with no pay at all. So I wasnt able to make as much payments. When I did make payments I couldnt see my past due balance on my account because Santander had it to where I couldnt see the past due amount. I put money on on my account and didnt know where the money was going. They charged my account off In XXXX and didnt come get the car until XXXX. They also have so many delinquent accounts on my credit but never decide to repo the car until this week. I also notice that its lawsuit out and Im dealing with the same situation as it says in the lawsuit. I talk to one person they say well I can try to do a certain thing to fix the situation and another person says something different! Im just trying to figure out the best way out of this situation. I feel as though I wasnt done wrong by this Santander company as well. I have had the car 4 years and 1 month and They decide to come get it after 4 Years of having the car. That shouldve been half way paid off by now but I didnt see a difference when I was putting money on it. Also, the woman I spoke with early this week said I made a payment in may but didnt say anything about the payment I made on XX/XX/XXXX as well. I cant say the recent payment on my account either.
Company Response:
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Good Evening. I was notified by my credit reporting agency ( XXXX ) that my current finance company Santander, has reported my my car as a Charge Of in XXXX of XXXX. I was not notified in writing that this matter has occurred. My financing company Santander, has stated that my account is current and up to date and that is false. I have disputed numerous amounts of times, since XXXX of XXXX to investigate this matter, nothing has been corrected. I have three different balances due to Santander not accurately reporting to the credit bureaus. The financing company Santander, is currently reporting my account as negative every month and I am current on my payments. Santander has made false claims they are reporting to all three credit bureaus, which is not correct. My XXXX report does not show Santander reporting to them at all. I've requested on XX/XX/XXXX to investigate why they are not current and why they are reporting as a Charge Off on my credit reports, Santander returned a letter on XX/XX/XXXX, stating the account is accurate and correct, which is also not true. I've applied for credit in other departments and they have verified that I am not the current owner of the vehicle and have been denied credit several times due to this matter.
Company Response:
State: IL
Zip: 62040
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: On XX/XX/2020 my vehicle was repossessed by a third party which violates my rights as a consumer and also is illegal because I never gave consent to XXXX XXXX XXXX to have my location information. Prior to this day I have sent numerous complaints to the company, Santander Consumer USA, my last correspondence includes an affidavit of truth that has not been rebutted line for line.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander informed me that this account was sold to XXXX XXXX XXXX.under applicable federal and state laws, once after creditor sell installment contact to third party collection agency they should not have any information about that account on their data base.however Santander provided what appears to be an alleged contract.this is fraud under all applicable federal and state laws.
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I purchased a XXXX XXXX XXXX in I believe XXXX or XXXX and financed it with Santander Consumer USA. I attempted to make arrangements with them to make payments because I was having difficulties making my payments. They weren't willing to work with me and the car was repossessed, I believe in XXXX or XXXX. I was not notified of the public auction or the whereabouts of my car and they didn't provide me with an inventory of the contents of my car. I had to make numerous phone calls to locate my car and when I went to get the contents from it, there wasn't any list and the contents were in plastic bags and had been already gone through. I didn't get any information about the repossession of my automobile until after the public sale of my car. It didn't provide the location of the public auction. This entry was reported to the credit bureaus as being a repossession but it was successfully removed because the steps for the repossession were not followed according to CA XXXX XXXX. It is now being reported on my credit report as a XXXX and it is showing a balance owed of {$11000.00} which is incorrect. I disputed this with the credit bureaus and Santander then renewed the date on it and when I go into my account with Santander it is showing totally different information. It is also more than XXXX XXXX XXXX and should be removed from my credit report. Santander Consumer USA is a horrible company to work with and they are also have harrassed me in the past while I had the car by calling constantly ( more than 3 times per day everyday until I requested that they stop contacting me. What can be done to correct this and to get this XXXX removed from my credit reports as soon as possible?
Company Response:
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A