Date Received: 2020-09-15
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: This is a follow up from Complaint ID # : XXXX. Dear Santander Consumer USA Legal Team : I sincerely appreciate you responding to my complaints and your commitment to coming to a fair resolution to this issue. I would, however, really appreciate if you do not insult my intelligence. Per your Deficiency Waiver on https : //santandermultistateagsettlement.com/Information-for-Consumers : " Santander is required to forgive the remaining balance on certain loans. Santander will also request that the loans be removed from consumers credit reports. As with Restitution, consumers who qualify for this relief will have to have a certain internal score. Consumers will NOT know their own internal score. Consumers who qualify for this relief will receive notice. We will update this website when we know of an anticipated timeline for said notice. At a minimum, to qualify for this relief, you must meet the following : a. You got your loan between XX/XX/XXXX and XX/XX/XXXX ; and b. Your car was repossessed or your account was charged off by Santander within the first 12 months after you got the loan. My car loan was obtained on XX/XX/XXXX and was charged off on XX/XX/XXXX. So therefore, I am qualified for this settlement. You have the authority to remove this debt from my credit report regardless of what the FCRA states. I'm also not asking you to violate the FCRA, I'm simply asking you to remove the account from credit reports because per the settlement agreement YOU ARE REQUIRED TO DO SO!! If we can not reach an agreement, I am prepared to file a civil suit against your company. This is my 3rd complaint through the CFPB and I have given up on reaching out to you via mail because you do not respond to my direct mails. Again, I am prepared to settle this account but the account needs to be removed from my credit reports. I'm also prepared to contact my lawyer with all the correspondence sent to your company and my attempt to settle the account. It's so ironic how you weren't concerned with the FCRA to begin with which is why you are involved in a multistate lawsuit to begin with. Why the concern with the FCRA now? Again, I am offering to settle again for {$2500.00} as agreed upon in my Pay to Delete Letter but the account has to be removed from all reporting agencies.
Company Response:
State: ND
Zip: 58501
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consumer USA has a closed account reporting to the 3 major credit bureaus stating that I had a {$16000.00} balance and numerous missed payments. This is TERRIBLY inaccurate. The claim is that it was opened in 2013. This erroneous claim is tarnishing my credit worthiness.
Company Response:
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: i want to pay the lender off for a vehicle financed at $ XXXXmonth for 72 months at 18 % the total amount owed and quoted XX/XX/2020 is {$7100.00} and valid until XX/XX/2020. However, They are giving me the run-a-round making excuses about the payment method. At this point, with previous experiences with the dealership and the lender i do not trust either one of them and don't believe what they say because i have proven otherwise as far as those so called backend charges that are part of the purchase price and can not be removed ... well i had them removed. i've been waiting for them to be removed from the total amount financed and was told by the dealer that it takes 4 to 5 weeks. its all a scam to extort money from people and make it look legit. i had to borrow on my life savings to get out of this mess. as much as i hate the car, don't like the car and don't want the car and it kills me to have to pay for it. i, d gladly do it so i don't ever have to deal with these crooked thugs in suites they should be in prison not slapped with a class action law suite . clearly it hasn't affected them because i cant get approved for a XXXX card from XXXX but got financed by this crooked lender notorious for doing exactly whats been done to me and thousands of hard working unsuspecting people ... SHAME ON ALL OF THEM. PLEASE HELP ME PAY THESE PEOPLE DIRECT OR ADVISE SO IT DOESN'T GET CONVENIENTLY GET LOST IN THE MAIL AND COST MORE THAN QUOTED.. THANK YOU.
Company Response:
State: CA
Zip: 906XX
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Santander is trying to collect on repo from XXXX. I settled with superlative adminastration in XX/XX/XXXX. Received 2 phone calls from a media group XXXX called on XXXX and XXXX I emailed documentation to XXXX.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Satander USA this is terrible 17 charge offs for a company being sued in 34 stares. If we had a XXXX in this would have been settled.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander claims that there were late payments for 3 months. No payments were ever made late. Santander corrected credit report, but instead of removing incorrect negatives they said I was late for {$0.00}. It is not possible to be late {$0.00}. I have repeatedly contacted all the credit bureaus and Santander with no change. Santander has also reported different months for the late payments for each credit bureau. One credit bureau says XXXX, XXXX, XXXX. Another says XXXX, XXXX, XXXX. There is not consistency, which seems to show that it is not correct information.
Company Response:
State: NH
Zip: 03110
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My husband XXXX XXXX entered a contract with an auto dealer in XXXX, California. The vehicle he was approved for at purchase was financed with Santander for a XXXX XXXX and the amount of approved loan was for approximately {$30000.00}. In 2014, at the time of purchase, my husbands yearly income was {$6200.00}. My husband was also diagnosed with early stage XXXX. My husband was not financially capable making monthly auto loan payments for a {$30000.00} vehicle. His mental state, and financial state makes it impossible for him to be approved for this auto loan. In other words, why was he granted this loan? His judgment was impaired at the time of purchase. Based on my husband need to purchase vehicles he can not afford my this loan predatory lending, an unscrupulous actions carried out by a lender to entice, induce, and assist a borrower in taking a loan that they otherwise are unable to pay back reasonably. This is my third attempt to have the amount appearing on my husbands credit report removed and the contract null and void. I had the vehicle be returned to the auto dealer. Sincerely, XXXX XXXX XXXX Rep Payee for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I made a payment for my XXXX XXXX XXXX online with Santander USA. The next day I was reviewing pay off information on this vehicle ( certainly hoping to trade in as Santander has been an awful company to work with throughout the entire the loan ) and realized that some how an old loan is showing on my online banking and that I processed the payment to that account instead of the XXXX account. I immediately called to have it fixed. The first person I talked with was very nice, said it was no problem and that it would be fixed within 72 hours, but definitely by Friday XX/XX/XXXX. She also stated that it would be back dated to XX/XX/XXXX. I reviewed my online transactions on the XXXX. The payment had not been fixed. I called and spoke with anther representative, after some back and forth argument and telling them to please refer to the notes, they assured me that it would be fixed, not to worry. I went out of town for the week. After returning on XX/XX/XXXX I check online again. The payment still did not post to my transaction history. I called again. After some more push back and getting forwarded to a " supervisor '' they told me that they escalated the issue and guaranteed that it would be processed with in 24-48 hours. I checked today XX/XX/XXXX, 3 days later and the payment is still not posted to the account. I called and was told it was still pending and being researched. I have no idea why it would need to be researched as I have been told multiple times that it was going to be fixed, and backdated to XX/XX/XXXX. She told me that I should call back on Wednesday to check process. This is completely uncalled for and unnecessary. It should have been fixed weeks ago. Every time I call it is something different. I have no idea why this process it taking 3 weeks and now all of a sudden it has to be reviewed, as I have been guaranteed several times that it would be fixed, backdated and with no fees.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: XX/XX/20 - my XXXX XXXX died while on XXXX XX/XX/20 - XXXX XXXX XXXX informed me that I would need a new engine. I contacted Chrysler Corp office and was told that they can not help because my warranty expired by miles ( but not years ). I was also informed by the dealership that my vehicle was only worth $ XXXX ( my outstanding loan payoff is currently $ XXXX ). XX/XX/20 - I contacted Chrysler Capital to ask for lower payments and that I voluntarily participate in repossession. I was denied a lower payment ( I currently pay {$680.00} per month ). I had to go out and buy new vehicle after the news. Ive started the process to voluntarily give vehicle back to Chrysler Capital. Is there anything that can be done to protect my credit and have the negative equity forgiven because of the large amount of negative equity.
Company Response:
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2020-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: After contacting Santander Consumer USA customer service portal via telephone on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, to ascertain an agreement via the CSR concerning the {$450.00} ( at that time ) payment due on the vehicle and requesting a copy of the full contract initiated in 2016. I received a notice dated a week past, with the threat of repossession of my vehicle for a past due date of thirty days. This company has settled a {$550.00} mil predatory loan lawsuit with 34 other states, and now is applying threats and harassment to individuals not included in the settlement ( Texans ). I am requesting loan forgiveness and the car title to the vehicle purchased in XX/XX/XXXXwith a remaining balance ( principle ) of {$12.00}, 560.84, ( interest ) to date paid {$18000.00}.
Company Response:
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A