Date Received: 2020-02-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX Account Balance : {$15000.00} It is apparent that you have overlooked or ignored my request to settle the above mentioned account. The settlement letter was sent XX/XX/20 via certified mail with the tracking number XXXX XXXX XXXX XXXX XXXX XXXX. Per USPS this letter was received by your company. I have taken the liberty to attach the original letter, a second notice for settlement, as well as a cease and desist letter to this complaint. My first settlement letter specifically states that I am to be contacted by mail only however, your company has chosen to ignore that request. I am more than willing to join the many participants who have taken legal action against Santander Consumer USA for call violations. This is my last attempt to inform Santander Consumer USA of the option to settle this alleged debt. Please see my responses that I have attached. I will again remind Santander Consumer USA that the only form of communication between myself and their company is to be had via CFPB Portal or mail. Please do not overlook this communication. If you do I will assume that the alleged debt that your company is associating with me has been forgiven.
Company Response:
State: TX
Zip: 75180
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Requested documentation From Santander verifying that this loan is mine they Refused to Provide Contract sighed by me for this loan. As the information reported is not Accurate
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I co-signed for a car, for my grandson. The interest was very high at 14 %, but once I started making payments I see that, I'm being charged 50 % or more rather than 14 %. My payments are going toward interest. I did talk to customer service regarding my bill ; to know avail. I do not understand there billing method ; practice. I am being severally over charged. Please look into my payment history with this bank. Thank you ; I look forward to hearing from you. Sincerely, XXXX. XXXX XXXX
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I filed a complaint with CFPB on against Santander Consumer due to harassing phone calls, a illegal late payment practice, an inaccurate RTC letter and a fee schedule designed to never allow for payment to reduce principle. These predatory lending techniques have resulted in countless class action suits against Santander Consumer yet they continue to take advantage of the consumer with sub prime credit. My complaint was replied to by Santander on XX/XX/2020 my car became repossessed on XX/XX/2020. CFPB case number : XXXX-XXXX. In its response, Santander did not supply accurate and truthful answers to myself or the CFPB. Based on the companies violations of 32-1085, 44-286 and 32-1051 the company should be made to forfeit their claim to " any finance, delinquency or collection charge on the contract. '' 44-295. I am asking the CFPB tp assist me in taking action to first recover my car which was taken as retaliation for filing the complaint with CFPB. Upon recovery of the vehicle I would like to ask for assistance in bringing the loan into compliance with FDIC best practice and enforce any " sub-prime '' lending consequences against Santander Consumer. My vehicle was taken during the night on XX/XX/2020 and now I am unable to get to work as there is no public transportation by my residence.
Company Response:
State: AZ
Zip: 85737
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
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 had an auto loan with Santander for my XXXX XXXX XXXX. I was involved in a car accident in late XXXX. I decided to purchase a new vehicle and the dealership that I was working with agreed to roll in the payment from the car that was totaled. As a result Santander was mailed a check for {$8700.00} on XX/XX/XXXX. My auto insurance advanced a payment of approx {$5400.00} to Santander as well because they were not aware that I had paid off the loan. This has resulted in an over payment. Santander posted the insurance payment before the payment from the dealership. They acknowledged the payment on their website on XX/XX/XXXX. I have contacted the company on 3 separate occasions to confirm that the payment that they acknowledged on XX/XX/XXXX is from the dealership. On every occasion they have said that they do not know where the check came from that they applied to the account. When communicating with this company today ( XX/XX/XXXX ) I was told that I would not receive my refund for over payment until approximately XX/XX/XXXX. When I asked what is causing the delay in receiving my funds they stated that there is a process and that is how long it will be. The will have had their funds for well over a month and there is still no clear indication of the dollar amount I will receive and really when it will be sent. I have reached out to them 2 times in writing and once by phone since this ordeal began. I am not getting answers or any information. I am not sure of what to do at this point.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I received a call from a company called XXXX XXXX XXXX XXXX ( XXXX ) alleging that I owed a debt to Santander Consumer USA for a vehicle that I owned and was totaled in 2006. The rep from XXXX XXXX XXXX XXXX ( Ms. XXXX ) threated to garnishee my bank account, sue me and summon me to court. I currently own a vehicle financed by Santander Consumer and I called them regarding this issue. Although there was a debt for the totaled vehicle as the insurance company did not pay the full amount, the Santander rep advised that XXXX XXXX XXXX XXXX is NOT the company I should contact. The debt was in the sole custody of XXXX XXXX XXXX which works for Santander. I contacted the company per Santander rep and paid an agreed amount not paid by the insurance company for the totaled vehicle. XXXX XXXX XXXX XXXX continues to call me though they are NOT affiliated with Santander in any form.
Company Response:
State: NC
Zip: 27330
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My son purchased a Vehicle in or around XX/XX/XXXX. The vehicle was a XX/XX/XXXX XXXX XXXX, which was financed with Santander. We received our first statement dated XX/XX/XXXX, showing a payoff of {$14000.00}. At this point, no payment has been made, the statement was for the 1st payment which had a due date of XX/XX/XXXX. I was making my sons car payment, he had become unemployed after we purchased him the vehicle. I made the payment of {$380.00} that was due for the XX/XX/XXXX payment. On XX/XX/XXXX my son was in an accident and the vehicle was determined to be a total loss. I contacted Santander and advised them on XX/XX/XXXX that the vehicle was a total loss and inquired if I should make the XX/XX/XXXXpayment or not. I inquired as, we had full coverage and GAP insurance, at that point I knew the vehicle would be paid in full regardless of my making the XX/XX/XXXXpayment. I was advised by Santander not to make an additional payment. My insurance company issued a check to Santander on XX/XX/XXXX in the amount of {$13000.00} ck no. XXXX payable to Santander total loss. The insurance check plus my XX/XX/XXXX payment was enough to pay the loan due in full. While I was reviewing my documents to cancel the GAP insurance, GAP was never required since the insurance paid the loan in full, I realized that Santander received an additional payment from my insurance. On XX/XX/XXXX, {$1100.00} was issued on ck no. XXXX to Santander. Today, XX/XX/XXXX, I called Santander to ask why they collected, in total {$15000.00} on a vehicle that had a payoff of {$14000.00}. I received a payment detail report, which was intended to explain this to me however, the report also showed an amount due of {$13000.00} with various payments applied and reversed that didn't match the actual payment records. As of today I have spoken with three ( 3 ) people about this. XXXX ( customer service rep ), her manager XXXX XXXX, and another CSR named XXXX. None of these reps could explain how they applied these funds to the payoff and how the payoff exceeded the contractual amount. I understand accrued interest, CA is a fee simple state and I'm aware of the per diem. The only explanation I received was the additional payoff amount was for accrued interest. By the time I spoke to XXXX, he looked " further '' into the account and explained that what had happened is : An adjustment was made in their system to reverse the XX/XX/XXXX payment I made, this was done on the grounds that payments aren't to be posted on vehicles in a " total loss '' state. Still don't understand that since it was for a XX/XX/XXXX payment, due before the loss?? So, a rep in Santander went into the accounts records and manually reversed a payment that they had in fact received and cleared. Upon doing that, it now showed that the account was not satisfied with the payoff initially received from my insurance in the amount of {$13000.00}. XXXX then explained that as a result, they accrued interest from XX/XX/XXXX through XX/XX/XXXX when they requested an additional {$1100.00} to satisfy the account. Now that to me is a clear case of falsifying account records. Santander was paid in full with the initial payoff. I was never credited back the {$380.00} that was " reversed '' from my account and, The {$1100.00} was erroneously accrued on account of the " reversal ''. To date, I've received no credit back from Santander, not for my payment that they " reversed '', not for over collecting on a payoff, nothing. They have also refused to provide me a break down of the payoff so I may review it for inaccuracy. I've not been allowed to speak with a Payoff department, or anyone that can field my complaint about falsifying financial records. I'm asking for your assistance in highlighting this significant short coming in financial accuracy and responsibility as well, to recover the funds that were inappropriately collected by Santander.
Company Response:
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
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: Car was paid off late XXXX/early part of XX/XX/2019 and company refuses to release lien. Multiple visits to DMV have been made in vain and multiple calls to Santander have been made in attempt to get them to release the lien. Santander keeps giving me the run around saying they have sent me a document sufficient for the DMV to release lien their lien and the DMA has advised more then once that Santander has to release the lien on their side. Do to Santander not releasing lien on vehicle on a timely manner they cause me to be in a financial bind regarding my bills. Car was to be sold but multiple deals have fallen through because a Santander has refused to release lien. I cant sale a car without a CLEAR TITLE
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-23
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Made an over payment on a payoff to a car loan. Santander sent me a pre paid Debit Mastercard that I am unable to register on line as instructed. The amount is for only {$22.00}, however they have made it impossible to register the card on line. All digits entered come back as not valid. This is just a scam by this company to get the recipient to give up trying to receive their funds due to them. XXXX XXXX XXXX XXXX XXXX XXXX card information : Card # XXXX Exp date XX/XX/21 Security code XXXX XXXX
Company Response:
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The CRA has has 30 days for complete their reinvestigation, and 5 business days thereafter to send their Notice of Results of Reinvestigation. I have received no notices from two agencies regarding fraudulent closed charged off accounts. XXXX XXXX XXXX XXXX AND SANTANDER CONSUMER FINANCIAL
Company Response:
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A