Date Received: 2020-06-17
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with Santander. Santander has a policy not to report on those accounts however Santander will not even release to me that policy in writing. I find this very interesting. Santander is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. Thank you for reviewing this matter. Respectfully,
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: XXXX XXXX XXXX Santander consumers XXXX XXXX XXXX XXXX , XXXX XXXX XXXX. Tx XXXX account XXXX i know they was in lawsuit any my car loan was in that car lawsuit due to over charge and other things. I want what is due on my credit report. Clean this up. Santander was bad loan decision misjudgment, gaffe, misstep to all who purchased a car in that time. I am one who got BAD DEAL
Company Response:
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I was pressured into a car that I initially did not want with Santander and then told that I could refinance after 6 months. That wasnt the case. I called to see about options due to hardship there were not any options besides placing payment to end of the loan. Car was sold and written off as bad debt/ charge off after they took 3 months to come pick the car up causing more fees on the bill
Company Response:
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was trying to extended for 3 mouths and they are still sending statements that i have to pay i told them i was unemployed i need a three mouth extension they never help me to get it resolved
Company Response:
State: MO
Zip: 63125
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: Deceptive Sale Practices/Switch & Bait, Fraudulent Attempt to Sell a Vehicle and Unauthorized Access to Consumers Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Also Known as : XXXX Dealership Persons of contact include : Sales Manager - XXXX XXXX Sales Representative- XXXX XXXX Appointment Time : XXXX XXXX XXXX, XXXX Product to be sold : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Coupe VIN : XXXX Stock : XXXX Date of Occurrence : XX/XX/XXXX On XX/XX/XXXX I began an online search for a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a sunroof to present to my husband as a XXXX XXXX gift. I found several XXXX vehicles listed online in the price ranges of {$71000.00} - {$98000.00}. On XX/XX/XXXX I found a XXXX XXXX XXXX XXXX XXXX XXXX XXXX advertised on XXXX for sale by XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The price advertised by the dealership was {$71000.00} ( please see attached XXXX XXXX and XXXX advertisements ). Being the most affordable option, I decided to give XXXX XXXX XXXX XXXX XXXX XXXX ( also known XXXX ) a call at ( XXXX ) XXXX at approximately XXXX XXXX to inquire about this particular vehicles availability and to confirm the dealers purchase price. I was connected to XXXX at XXXX and XXXX informed me that the vehicle was currently listed at {$71000.00}, but the vehicle was not on their sales lot and that the vehicles delivery to the dealership had been held up due to the current COVID-19 pandemic and told me that he would check the status of the vehicle with his manager and call me back. XXXX returned my call at approximately XXXX on XX/XX/XXXX and told me that the vehicle would arrive to the dealership in 2 weeks. At this point in our telephone conversation, I expressed a serious interest in purchasing this particular vehicle and informed XXXX that I recently obtained a pre-approval for financing through Chrysler Capital in the amount of {$64000.00}. XXXX asked if I would like to come to the dealership to start the purchasing process and I agreed to visit XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to purchase the vehicle. My husband XXXX XXXX and I arrived at XXXX dealership at about XXXX XXXX on XX/XX/XXXX and was greeted by XXXX. After we arrived and were meeting with XXXX at his desk, I gave XXXX my drivers license to copy as he requested and showed him the pre-approval email I received from Chrysler Capital which included reference number XXXX and listed a finance amount of up to {$64000.00}. I then informed XXXX that I would be paying cash to make up the difference of {$6300.00} of the purchase price and that I would be putting an additional amount down on the vehicle. XXXX then asked me if he could have the finance department at XXXX call Chrysler Capital and request the exact sales amount of {$71000.00} to be financed. I specifically asked XXXX that he only inquire to Chrysler Capital as I already had a pre-approval and XXXX agreed. I also informed XXXX that I had participated in XXXX Quick Online Application process prior to gaining a pre-approval from Chrysler Capital. XXXX ( the dealership ) website stated that ONLY a soft inquiry would be performed ( please see attached web archive ). My husband and I continued to wait at XXXX desk while XXXX finance department contacted Chrysler Capital. After 10-15 minutes of waiting, a gentleman who appeared to be a salesman or possibly a financial associate approached my husband and I and said, the finance department is trying to get you another {$3000.00} plus another {$23000.00}. After hearing this I was quite shocked and alarmed and did not understand what he was referring to. I replied to this gentleman, why is the finance guy trying to get an additional {$26000.00} in financing and who authorized it?. He replied to me that I needed at least {$90000.00} and that my current financing offer was not sufficient. I then replied, {$90000.00}, what do I need {$90000.00} for, the car is listed on your website at {$71000.00}?. He then stated that the car I was trying to purchase was {$90000.00} and then he said, let me go check. At this point in time I became very curious as to what was going on and me and my husband proceeded to walk to the finance desk and ask them what was going on. Just prior to approaching the finance desk, I received a text message on my cell phone from XXXX which is a credit monitoring product I am currently using. The text message stated that a recent inquiry into my credit file had been placed 3 minutes prior. I stopped the gentleman as he was walking away and said, what are you guys doing over there? I just received a text alert that my credit had been accessed and that my credit score dropped 59 points. He then replied, 59 points? Theres no way, we only inquired once. This is when I approached the financing departments desk and began asking questions about what they were doing checking my credit and also stated that I never authorized anyone to check my credit. While I was at the finance desk speaking to XXXX XXXX the sales manager, I received another text alert on my cell phone from XXXX about 7 inquiries that just hit my credit report. XXXX went on to say that I didnt have enough financing to cover the cost of the car and that Chrysler Capital only approved me for {$54000.00} and that it didnt matter that I had a pre-approval for {$64000.00} and that Chrysler Capital could have only approved me for {$10.00} for all he knew. I looked at the sales guy XXXX and said, why did you come over here and ask them to run my credit with all of these banks when I never authorized you to do so? He replied I didnt know they were going to do that. I then faced XXXX and said, look, Im not stupid, I know how this works and you had no authorization to run my credit, I was already pre-approved. After some back and forth with XXXX the sales manager telling me that they didnt have the car that I was interested in and listening to XXXX try to explain himself, I decided it was best to leave and my husband and I left the XXXX dealership. As we were driving on the freeway back to XXXX, I told my husband that I should get off the freeway, find the ad that XXXX XXXX XXXX XXXX XXXX XXXX had up on their website and archive it just in case they remove the fraudulent ad. I did just that. By the time my husband and I arrived back in XXXX, which took about 35-45 minutes, I looked online at XXXX website searching for the ad that was posted for the vehicle I was interested in and prepared to purchaselow and behold, the ad was gone. This is a case of bait and switch conducted by this dealership XXXX and unauthorized/fraudulent credit check into my personal credit file. They sent my personal information to 7 banks without my authorization or permission. The banks listed below received my credit file : XXXX Lbs XXXX XXXX XXXX XX/XX/XXXX XXXX- Chrysler Capital XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX- XXXX XXXX. XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX- XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I have documented my initial phone calls with XXXX the salesman, every advertisement I saw on XXXX and XXXX website about the sale of this vehicle, I archived the webpage of XXXX dealership that states their credit inqueries are soft credit checks that will not harm your credit score and also the information that I filled out on that website, I have documented the email as proof that XXXX claimed the vehicle I was interested in was sold minutes after I left their dealership, I have proof of my pre-approval from Chrysler Capital , emails from the dealership and about the vehicles supposed recent sale plus, various other proofs including the dealerships work order. I have also obtained a XXXX report on this vehicle. The bait and switch tactics and fraudulent attempt to sell a car they didnt have in their possession that this company has displayed and continues to engage in including unauthorized credit checks, has made it more difficult for me to find financing for the vehicle that I want to buy by damaging my credit file with unauthorized credit inquiries. This dealership should be held accountable for their actions and this should not be allowed to happen to anyone else. After my experience at XXXX, I decided to check reviews on XXXX and I have read dozens and dozens if not hundreds of similar stories and reviews about XXXX dealerships bait and switch tactics and their refusal to sell the product ( s ) they advertise for the price they express in their online ads. This dealership also advertises vehicles online for one price and when the consumer arrives to purchase the vehicle listed, XXXX tacks on extra expenses for items the dealer added prior to the vehicle being offered for sale to the public. The dealership then forces the consumer to pay for these additions or they refuse to sell the vehicle to the consumer even though the consumer didnt ask for the added items. I even read a review from a consumer that felt she was discriminated against. I also felt that I was discriminated against. The only difference in other XXXX consumers and my experience is that I did not see where anyone complained of XXXX running their credit without the consumers approval or written permission. This type of action should not be allowed by any business and any business that advertises a product they dont have, accesses a consumers credit file without their written permission and/or conducts deceptive and fraudulent sales tactics should be fined and held accountable at the very least. The car I thought I was going to purchase was never in XXXX 's possession and they never had any intent to produce the vehicle that they advertised for sale. So, my questions are, why did they run my credit without my written permission to begin with? They didnt have the vehicle I was at their dealership to purchase, so what were they doing accessing my credit without my authorization? What vehicle were they trying to obtain financing for? Why did they disregard my pre-approval from Chrysler Capital and make their own decision to access my credit 7 times without my signature, written permission or approval? They couldnt get me financing for a vehicle they didnt have, so what gives? This is a bait and switch tactic and fraud, including fraudulent access to a consumers credit report without written permission plain and simple and they should be held accountable before they damage other consumers.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX i contacted Santander about my auto loan account. I have the 1099C form that shows the account was discharged in XXXX. They continued reporting on this account since that time. In XXXX it was showing up on my credit report so i contacted them again and they stated i needed to pay {$750.00} to take care of the account. I now have a 1099C form with the same account number and everything for this as well. I reached out them recently about this as they are double collecting on the same account and they are refusing to refund the {$750.00} that i paid them in XXXX.
Company Response:
State: PA
Zip: 154XX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: CEO of Santander Consumer USA To Whom It May Concern : I bought car through XXXX In XXXX, TN ... I was told I had to finance through you all, even though I had good credit. I purchased a XXXX XXXX ( XXXX ). Unfortunately, your product cost me more than I would ever imagine, I realized that every payment never made my total of the car go decrease. Instead it was getting higher and higher. I also noticed that my insurance was never updated with them. I soon realized that I was paying for a car I would never own. I complained and complained. I even sat in my car thinking why did this bank do this to me. I am a good paying citizen and I was just scammed. I lost more money than ever. I realized that after making payments I had already paid for the car and I was not seeing any progress in the price/financed amount. I thought about taking it to the media, but I instead tried to reach out to the customer service and they were not nice at all. To resolve the problem, I would appreciate your company removing this car from credit like it never happened. I do not wish to pay anything due to the horrible service and I do not have the car. I do see that your company is being sued. I am truly sorry for the inconvenience, but I was done so wrong by this company as well. I asked for information to see if terms were changed and if I missed something in the bylaws here. I was only contacted about payment. I am hurt by the decision I made to choose to buy a car from you all. You may be a great person in person, but this has hurt me tremendously. It has cost me my livelihood in so many ways. I am not able to buy a house. I have been renting for 12 years. I was not able to get any extra credit due to help me stretch the XXXX dollars every two weeks I make to take care of my XXXX children. I have hopped from home to home with family and friends to try and make ends meet. What did I do to deserve such a crazy deal. How is it that I was preyed upon with a XXXX credit score and XXXX dollars to put down and they took my hard earning money and still took it after making payments. I look forward to your reply and a resolution to my problem. I will wait [ 30 days ] before seeking third-party assistance. Please contact me by email or phone number XXXX XXXX they are being sued for predatory lending. I was a victim of this. I am so upset! See below! These are the things that were turned in and they were sued for. Santander Consumer USA - illegal practices and consumer harrassment Santander Consumer USA - unethical service Santander Bank - mishandling of purchased autoloan Santander Consumer USA - refund due Santander Consumer USA - get real Santander Consumer USA - car loan Santander Consumer USA - billing and website issues Santander Consumer - scam Drive Financial Dba Santander Consumer USA - everything Santander Consumer USA - auto loan
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On or about the month of XXXX of XXXX I reached out to Santander in reference to a payment the company misplaced and failed to notify me when they supplied the negative credit information to all three major credit bureaus. The company refused to give me feedback in reference the payment. I was hung on by multiple representatives when I requested to speak with management. I continued to make my regular monthly payments, however I requested a due date change. Although, via phone calls throughout the years I was told I could not change my due date due to delinquent account. Once in XX/XX/XXXX when I requested a due date change I was not delinquent and still was denied. In XX/XX/XXXX my brother passed away. I immediately contacted Santander and notified them as I entered a financial hardship and request to pay a portion of my loan due to the unforeseen circumstances. I was informed by a representative that it was ok but instead get an extension. When I reviewed my credit final I had two late payments reporting, which I knew nothing about. I was told I qualified for an extension for the two reported late months. Santander engaged in deceptive servicing practice and actively misled me about my rights, and risks of the partial payment and loan extension risk. Santander was aware of their actions would cause harm to me, but went ahead and did it anyway. Santander went on to continue to give reporting agencies inaccurate information about me from XX/XX/XXXX to today XX/XX/XXXX along with the previous months. I've disputed with All three major credit bureaus who directed me to SANTANDER in reference to the inacurate information. I disputed with Santander on multiple occasions. Santander failed to follow guidelines for handling disputes. I never received any call backs in reference to my disputes. Santander did not note my disputed debt nor did the company correct any of the wrong information. Through my most recent dispute to XXXX, Santander submitted incorrect information even though it had been reported. I disputed my account with XXXX on XX/XX/XXXX and Santander updated the account as open with a balance of {$13000.00}. Santander knew I paid my loan in full as my pay-off letter states XX/XX/XXXX via check certified mail. Ultimately the company failed to conduct an internal investigation of my disputes within 30 days on multiple occasions nor provided a reasonable procedure to submit a written dispute. Santander failed to exercise proper care or take action that a reasonable person would not regard to my credit information. Santander also exposed me to unnecessarily high levels of risk through high loan to value ratios, significant backend fees, and high payment to income to income ratios. Santander also violated my consumer protection by exposing me to high levels of risk and knowingling placed me into an auto loan with a high probably of default. After contacting Santander for the last time in the month of XXXX to go over my account. I was told by a representative to call my attorney general. I then asked about the fees on my account and the high interest rate I was told contact my attorney general.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
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: this account was never late. Chrysler has already updatte the credit reporting agency. XXXX is the only one that did not update correctly.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: If disputed this account several times over the years for incorrect reporting that is ruining my credit. I most recently disputed this account a few weeks ago and they continue to report incorrectly. At this point, it is fraudulent. They continue to verify information that is flat out wrong and enough is enough. And the credit reporting agencies continue to accept this fraudulent reporting without receiving proper evidence. This account must be removed from all credit reporting agencies immediately. The 30, 60, and 90-day late information they continue to verify is incorrect. I have told them this several times. To make matters worse, they continue to report that the amount of discharged debt is upwards of {$10000.00}. They know this is information is incorrect as they provided me with the cancellation of debt form that states {$6800.00}. Remove this account from all credit reports immediately.
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A