Date Received: 2020-07-13
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: My first payment was XX/XX/XXXX and sent it XX/XX/XXXX and then XXXX of the month automatically $ XXXX and $ XXXX regular payment and $ XXXX to the principal but the interest is increasing every month and does not decrease I communicate and do not give me a credible reason and still left over 45 minutes waiting on the phone after they hang up on me.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: purchased a vehicle from XXXX XXXX XXXX XXXX, Mass location on XX/XX/XXXX. Shortly after I brought my vehicle to their XXXX, NH location to have my car inspected and it failed, I was told it needed a new oil gasket. I went back to the XXXX location where they fixed it and then back to XXXX, NH where I had it inspected. A few weeks after the check engine light came on, I brought it back to the XXXX location. I was told that it was a valve, but never told which specific valve however they did replace the valve. I was told the check engine light would come off after 5 miles or so. It did shut off the next day, only to turn back on the day after that. Once again I called the XXXX location and they had me bring it back in. I was told at that point it was the catalytic converter and that they just needed to get me another car. I set up an appt with my mother to go in and discuss getting a new car, only to be told that I would need to give them another XXXX XXXX down on a different car and that my payments would go from XXXX XXXX/a month to XXXX XXXX/a month. I stated I was not putting anything down nor was my payment changing because they gave me a car that was not even inspectable and is faulty. They had me sitting at this location for over 6hrs waiting for an answer I never got. I I had to eventually leave as I had to work in the morning and I needed to get my son. I did not hear from them for two days, they finally called me on the XX/XX/XXXX and set up a XXXX appt for the next day on the XX/XX/XXXX. I showed up with my mother and the gentleman I had the appt with ( XXXX ) was not there and suddenly no one knew who he was. We finally were told he had the day off and someone would get to us, two hrs later we were addressed by XXXX XXXX and he was to help us out. XXXX XXXX showed us a car that we were told would work out, took my information and again he was told the situation with my current vehicle he said it'd be about 10-15 minutes. Another two and a half hrs later we are approached by XXXX XXXX who was the XXXX person I have met so far. He pretty much told us the same thing that we needed money down and that " I needed to help him out, so he could help me out. '' He acted like he knew nothing about my situation and tried to blame the previous owner " XXXX XXXX '' when my mother and I reminded him we purchased the car at this location in XX/XX/XXXX of this year. { There is also DISCREPANCY with my original paperwork, the ODOMETER reading on all my paperwork including the title application shows a reading of just over 10,000 miles when my mileage is actually over 70,000 miles. } Needless to say they are refusing to help me and take responsibility for selling me a vehicle that should not have been sold. I have emailed the owner XXXX XXXX as well as the COO XXXX XXXX and have not gotten a response from either individual. I was told by the staff that it was because they were " Busy Men ''. I've also found out today that after 4 months my warranty was canceled and noone told me, I found out from the bank. I just need help and I am hoping you can point me in the right direction. Thank you for your time and I hope to hear from you soon.
Company Response:
State: NH
Zip: 03102
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: FINAL ATTEMPT NEXT STEP TAKING IT TO COURT .. I SIGNED A 60 month term. 5 years XXXX $ monthly at 20.9 interest rate. For a XXXX XXXX XXXX. Price a little over 24k signed on XX/XX/XXXX. Here it is. XX/XX/XXXX with a balance a Little over 17k still really? I know I have been late but if u go back and look at payments history I paid over XXXX $ to cover late fees. On top of that I was informed I differed 10 times of course I did the system was setting me up to fail. So now maturity date changed to XX/XX/XXXX. Now lets do the math XXXX including late fees we will be going way into late XXXX so in reality a 5 year contract turned into a 7 year contract. Even with 15 payments remaining at XXXX $ MONTHLY. INCLUDE ALL LATE PAYMENTS INCLUDE PAST DUE PAYMENTS. IT STILL ADDS UP XXXX dollars BELOW XXXX what I supposedly still owe do the math
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2020-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The wrong amount is being reported on my credit reports! You need to report account in good standing, I making minimum payments agreed upon!
Company Response:
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: XXXX XXXX XXXX XXXX threatened to call the police to repossess a vehicle on private property. Their representatives knocked on my door at XXXX, and threatened me by stating that I was violating the law, and that they would bring the Sheriff. Not only is XXXX buying defaulted predatory loans, they were difficult in dealing with. When they came to my property, I offered to resolve the issue in the morning. Not only did they refuse, they started yelling and became verbally abusive. XXXX never sent account or balance updates and misrepresented the Amount due on numerous official documents.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Ive had my car for 3 or more years and Im still owing over 15,000 on it. Ive tried several times to get my payment lowered because of my inability to pay so much and me not wanting to fall so far behind on payments and all they would do is give me extensions that would add more interest and prolong my loan. I am struggling and they offer no help whatsoever.
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2020-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi, I have been recently notified about the fraud in reference to my account with Santander. I purchased a XXXX XXXX with Santander through Roadloans. I was not asked to provide any type of check stubs or anything and was approved. All I had to do was take the paper work to a participating dealership and show them the approval and my driver 's license along with my {$400.00} down payment. I struggled making the payments on the car when I got the car. The car was repossessed and I was able to come up with the money and get the car back. I was able to keep the car for a few months before they came and repossessed the car for a second time. No one would work with me when I called to set arrangements on the payment. The car was repossessed the second and final time in XXXX around XXXX. Since then the account has remained opened as a charged off account the entire time and they have made updates to the account as late at XX/XX/XXXX. I have not had any access to the account for it to have any activity. I have not been notified of when the car was sold, who it was sold to or how much it was sold for. " Based on the investigation, the coalition alleges that Santander knew that certain segments of its population were predicted to have a high likelihood of defaulting based on sophisticated credit scoring models. Per the lawsuit that Santander is involved in, I believe that I am a victim. Santander exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. The coalition also alleges that Santanders aggressive pursuit of market share led it to underestimate the risk associated with loans by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Finally, the coalition alleges that Santander engaged in deceptive servicing practices and actively misled consumers about their rights and risks of partial payments and loan extensions. '' Please look into this as it has caused a huge embarrassment to my life.
Company Response:
State: SC
Zip: 29644
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-11
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: The dealership that i bought my car from was involved in fraudulent activity as well. After reading the court documents i was made aware that there are 2 unknown files that were submitted to santanders financial department and i am sure they are aware and have involvement with this matter. I am asking for the both files that was submitted to the financial department at santander and not the tampered information that was falsely given to them. If this matter is not cleared within 30 BUSINESS DAYS, I will move forward with civil action also. Furthermore, Santander participated and defrauded me as well as millions of others by exposing me to unnecessary high levels of risk through high loan to value ratios, significant backed fees, and high payment to income ratios. Santander also participated in fraudulent activity with the dealership by turning a blind eye to dealer abuse and failing to meaningfully monitor dealer behavior to minimize the risk of receiving falsified information, including the amounts specified for consumers incomes and expenses. Due to the fraudulent activity involved with the dealership and Santander of mishandling and deceptive servicing practices from BOTH parties my vehicle was ultimately repossessed. I am asking Santander to please release me from all financial and legal obligation for the deceptive servicing practices and delete all information from all consumer reporting agencies and three credit bureaus that it has been illegally sold and reported to. Santander is also reporting misleading information on my credit report in regards to recent payments that have been made to them. There has not been any recent payments or communication with santander in regards to the charge off.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2020-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Santander Consumer USA reported a 30-day late payment on my credit report for XX/XX/2020. I signed an Extension Agreement for XX/XX/2020 & XX/XX/2020. This late mark must be removed. My dispute with the credit bureaus resulted in Santander successfully deleting the late payment from my report. That's the only late mark. However, Santander took the time to add it back. I pay higher than the minimum. My payment history is PERFECT. Seems as if Santander doesn't care we are in a global pandemic.
Company Response:
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2020-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A