Date Received: 2020-07-22
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have called Santander, filed a complaint with the XXXX regarding releasing my title. Which was included in a Ch. XX/XX/XXXX Bankruptcy, with a Successful Discharge in XXXX. It is currently XXXX and my title is still in the name of Santander.
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX someone attempted to purchase a XXXX XXXX XXXX through XXXX. They attempted to finance the auto via various financial institutions. A police report has been filed with the XXXX, CA Police Department ( XXXX ). They also stated I worked for XXXX XXXX XXXX. They applied for financing at the following banks : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The individuals that attempted to use my identity entered the following demographic info Phone XXXX XXXX XXXX email XXXX I would like these inquiries removed from my credit report as they are affecting my quality of life.
Company Response:
State: CA
Zip: 94541
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Purchased an automobile financed by Santander. Paid off off loan within loan time terms. Filed for bankruptcy and followed all procedures required by Bankruptcy court and it was discharged. Notice of meeting of creditors was delivered to Santander of whom which did not respond. Bankruptcy court discharged all debt 's and finalized procedure. When contacted Santander, representative was extremely rude and informed me that bankruptcy did not include Santander 's interest in vehicle and thereby would not release title. This bankruptcy was discharged in XX/XX/XXXX-XX/XX/XXXX. I believe that Santander is holding release of title on this vehicle illegally. The full principle and interest amount was paid in full. They are holding title for unconfirmed late fee 's during the loan term which were discharged in bankruptcy. Very " strong-armed '' and determined to try to convince me that the bankruptcy would not include them, even though representative acknowledged that they were aware of the process by the court. {$750.00} of late fee 's. Extremely rude and condescending representative, XXXX-operator # XXXX, transferred me to another rep, of which I was placed on hold for 10 minutes, as she was unwilling to consider facts of bankruptcy.
Company Response:
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Asked company to file 1099C due to the financial and emotional problems I am having as a result of COVID 19. The company has not bothered to respond.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My belief is that Santander Consumer USA is using predatory lending practices. My auto loan was opened in XX/XX/2013. After XXXX years, nearly 50 % of my monthly payment is still being applied to both Interest and Principal. At that rate, unless I have a XXXX lump sum payment, I will NEVER be able to payoff the loan. I am aware that this company was found guilty of such practices in XXXX and must pay over half a billion dollars in restitution in a number of states, including IL where I reside. My car currently has over XXXX miles and is only worth {$400.00} according to the XXXX XXXX XXXX. I have just had to purchase a new vehicle for safety reasons and there is no way I can afford to pay 2 car payments. There have been a number of times when my payment was late due to a XXXX diagnosis and treatment. However, I still do not believe that my balance should still be so high. My payment should after all of this time, I believe be 100 % applied to the Principal of the loan. Please assist.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-21
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I purchased the car in XXXX XXXX however I was making the payments and realized that 2 years later I only paid XXXX toward the loan and the amount was increasing I reach out to company and said they would look into and report this I received no response and when I called they always would hang up on me I continued to pay But they repoed the car because the amount. Was never decreasing free several attempts to settle the car was repod and they said my interest rate of 26 was not why the amount never changed.The settlement also includes significant consumer relief by way of loan forgiveness. In all, Santander has agreed to waive the deficiency balances for certain defaulted consumers, with approximately {$430.00} XXXX in immediate forgiveness of loans still owned by Santander, and additional deficiency waivers of loans that Santander no longer owns but is required to attempt to buy back. Going forward, Santander can not extend financing if a consumer has a negative residual income after taking into consideration a list of actual monthly debt obligations. Additionally, Santander is required to test all loans that default in the future to see if the consumer, at the time of origination, had a negative income. The test must include an amount for basic living expenses. If the loan is found to be unaffordable and the consumer defaulted within a certain amount of time, Santander is required to forgive that loan
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2020 XXXX XXXX ran my credit without my consent or knowledge through Chrysler Capital to obtain a copy. I have called multiple times with reference numbers and kept being told they can not find the application unless I give them my social security number. They can not find the application they ran with the reference number they provided for the report I did not approve or had any knowledge of.
Company Response:
State: NY
Zip: 13088
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander Consumer USA has been deceptive and made a mistake and put my car loan in bankruptcy status and therefore took the trade lines off and have not reported my perfect payment history. Because of this my credit report does not show any car payment history at all and its making it impossible for me to get out of this high interest rate loan and lower my car payment. They are purposely doing this in order to keep me paying this high interest rate. Then they try to say well we don't need to report your history at all, had they told people their payments on their car would never be reported to credit bureau 's how many people would accept a loan like that when the whole purpose of the loan was to rebuild credit to begin with?? I need help, I have spent almost 1 1/2 years fighting them and they keep blaming everyone else but it's them, they refuse to correct the problem!! please please please help!!
Company Response:
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I was a co-signer for a car that after signing the paper work I found out that Santander stated they did not need paystubs to verify if the person could afford payments. I called them to report that the car dealership had made up paystubs and that's when Santander stated no paystubs needed. Well the person defaulted and I ended up taking the car as of XX/XX/2020. I have been making on time payments since. My issue is that when a balance gets lower so should the interest rates but that is not the case. Since XXXX the interest rates varies (? ). I called them today and they could not give me an answer for this. They are predators! Please see below the statements since I have taken over in XXXX. These people should be investigated for allowing false documents be overlooked just so they can make money and victimize innocent people.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Santander failed to give me proper validation of this debt. If there isn't an account, why are they sending me statements every month.
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2020-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A