Date Received: 2019-08-11
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: My mother purchased a XXXX XXXX XXXX from a dealership XX/XX/XXXX. In XX/XX/XXXX, my mom had a XXXX. While we are optimistic about her health outcomes, it is unlikely she will drive again ; certainly not in the next 12 months. I invoked POA authority over my mom 's affairs and while helping my mom with her finances post-XXXX, the car loan became a problem. This loan is at 14.5 % interest and of her $ XXXX/month car payment, only {$180.00} goes to principle. So $ XXXX/mon is interest payments! All things considered, I believe these terms to be predatory. My mom may have thought she could afford this while she was working and able to drivXXXX, but now she is on SSI & XXXX. Car insurance is another $ XXXX/mon. That's almost $ XXXX/month that we could channel into directly caring for her in her time of need. I started the process of selling the car in XXXX while on FMLA to help my mom. The dealership offered {$15000.00} for the car. We are canceling the extending warranty and gap coverage, which could be an additional {$3000.00} toward paying off the loan. On a loan balance of over {$23000.00}, there is about {$4000.00} my mom doesn't have to hand over immediately, but we wish to make a payment arrangement of monthly installments. I've called the lending institution 6 times to make arrangements, but they refuse to negotiate fairly and release the title to a buyer unless the entire loan is paid in full. The bank 's proposal is voluntary surrender where my mom pays for the car to be auctioned off. They have no guarantee what the car will go for at auction and my mom still doesn't have $ 4000+ to hand over for the title to be released. I believe that XXXX XXXX is refusing to negotiate in good faith and is engaging in unfair, abusive, and deceptive practices. I emailed the bank POA paperwork on XX/XX/XXXX to begin the process. I've talked to 6 agents and no one can explain to me why they will release the title in an auction from voluntary surrender, but not if we sell the car it back to the dealership. The title wouldn't even technically trade hands until a 3rd party buyer purchases it, as far as I understand car titling since it is a XXXX dealership. After my 4th conversation with them on XX/XX/XXXX, they violated the TCPA by calling me XXXX at XXXX XXXX after I specifically instructed them to not call before XXXX XXXX mountain time. An " Office of the Executive '' representative called and told me my only option was a voluntary surrender unless we could pay the loan off in full. Considering the timing and the nature of the call, I feel that this was illegal harassment and have filed a complaint with the FCC. Feeling defeated, I called them a 10th time on XX/XX/XXXX to voluntarily surrender the vehicle. I'm back home in XXXX now, my mom & the car are in Wisconsin. I was told I had to talk to a different department and someone would call me back that day. No one called, so I called again XX/XX/XXXX. The agent on the phone said he couldn't find any POA paperwork and it would take another 2-3 business days before I could surrender the vehicle. In summary, they deceptively issued a predatory loan to my mother, treated me unfairly, and deceptively when I attempted to negotiate in good faith, conveniently lost legal documents, and engaged in abusive harassment by calling me outside of hours I specified and which are legally mandated.
Company Response:
State: CO
Zip: 80231
Submitted Via: Web
Date Sent: 2019-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hard credit pulls show on my credit report that I did not authorize ... two of them show duplicate inquiries
Company Response:
State: GA
Zip: 30549
Submitted Via: Web
Date Sent: 2019-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Santander illegally repossessed my vehicle. they claimed they sent me a notice about taking the vehicle but this is a letter that i never received. they did not send this by any form of traceable mail that proves that i received this letter. I was unaware that this was going to take place they didn't give me any notice and i didn't receive a letter at all. then after the vehicle was taken by them they failed to make sure i received the letter that tells how much time of i have to get my vehicle back and how much it would be. They sent this letter via traceable measures but it was returned to them and i never received this letter either. Nor did they attempt to resend the letter to me to make sure that I in fact received it. they still have the vehicle and since it was illegally repossessed i want them to either remove this collections from my credit report or provide me with a letter that I can provide to the credit bureaus to remove this entry from my credit report. Since my vehicle was illegally repossessed i want this to be the outcome that will take care of them taking the car without notifying me and this will also keep me from having to take them to court.
Company Response:
State: IL
Zip: 60426
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I traded my XXXX in for a new XXXX XXXX never used leftover because it was a XXXX XXXX XXXX XXXX speed so nobody wanted they wanted XXXX at XXXX XXXX on XXXX the problem is they added my repair loan for my XXXX repair into loan then the rate went up to XXXX instead of what I thought XXXX so I would brought it back but they sold my XXXX I tried to refinance my car loan with no luck because its a 2017 and over payed Im into one year of loan and they said they would refinance my car loan around 10-11 months then they lied saying state banking as of XXXX I purchased car in XXXX wont allow us to refinance auto loan anymore I called state banking they said not true so I need help to lower my loan also XXXX has false credit stuff on my report bringing my score down and they arent in America anymore help XXXX XXXX
Company Response:
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Loan Co. Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I purchased a used vehicle in XX/XX/XXXX, while I was on XXXX XXXX with the XXXX XXXX. I became delinquent ( as a result of some family trauma ) in XX/XX/XXXX. On my credit report from XXXX dated XX/XX/XXXX # XXXX It specifically reflects the date of purchase, my 1st delinquency ( XX/XX/XXXX ) and for the next 11 months it reflects continual delinquency per their 'legend '. The truth of the matter is that I NEVER became current with this account, and the car loaner ( Santander Consumer USA Acct. # XXXX ... ) claims that I have, but even on the report itself, it lists extremely limited info, to include XXXX balance, dates/times/ etc. For a company that claims I became current refuses to send XXXX, to include the others, any information on my account whatsoever. However they are only giving them information back to XXXX instead of XXXX, so that they can claim to use that year, to establish the 7yr requirement. I have provided numbers documents and photo copies requesting that this account SHOULD HAVE BEEN REMOVED XX/XX/XXXX and they continually claim I became current with no information provided by Santander. Please, review my information I upload, and assist me with having this account ( that is now almost up to 2yrs ) to be removed from my account, one and for all. Former XXXX dispute ( with no changes afterwards ) account # 's XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) ** and several others that I can not retrieve quickly. Thank You, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 76208
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I have had my car loan done XXXX of 2017. XXXX and XXXX I was reported 30 to 60 days late for a returned payment that I was unaware of from my bank Sandtander the loan company that financed my car didnt once inform me until I called in about a warranty question right now I am on time I already have a 23 percent but they wont remove the late payment
Company Response:
State: IN
Zip: 46312
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
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: Paid off consumer auto load with Santander Consumer USA in full on XX/XX/2019. Received letter from Santander on XX/XX/2019 recognizing the account as paid in full. Pay off resulted in overpayment to Santander of XXXX cents ( {$0.00} XXXX. On XX/XX/2019 received a pre-aid bank card from XXXX through XXXX XXXX XXXX. I wasted more than an hour attempting to activate the card and then use it to issue a paper check to me in the amount of {$0.00}. I do not have a relationship with XXXX XXXX XXXX, do not want a relationship with XXXX XXXX XXXX. and did NOT authorize Santander to issue my refund through a pre-paid bank card. There are fees associated with its use. Additionally, I do not want XXXX having access to my personal information including identification numbers and social security information. I didn't authorize the transactions and this is not part of my contract with Santander. I believe that this is a deceptive practice and is illegal without my written consent. There are hidden fees associated with utilization of the card. I only want what Santander owes me and that is the XXXX cent overpayment. Nothing in my contractual relationship with Santander allows for payments or refunds to be received from a third party and their privacy policy does not acknowledge that they will share my data with a third party. Additionally, it forces me into binding arbitration unless I opt out in writing within XXXX days. I did consent and do not consent to this as a provision of my contractual relationship with Santander Consumer USA.
Company Response:
State: TX
Zip: 75025
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account was not being paid by my ex. I have taken over payments and have brought it up to date. This company is impossible to deal with. Every time I have contacted them to try to get things fixed all I hear is that they cant help. I have requested for them to update my credit report and they refuse to update my credit report. They just keep saying we have to file a complaint with the credit reporting company to get it fixed
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent Santander Consumer USA a letter to validate my debt they did not submit the proper documentation to support. Also when the car was repossessed they did not send the proper documents to allow me a chance to get it back. When the car was sold after i wasn't able to get it back they did not send documents stating it was sold and the balance has been reduced. These are laws stated by the FRCA that should be followed by all creditors. I think they are illegally reporting to the credit bureaus based on these laws.
Company Response:
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2019-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Traded leased vehicle on XXXX vehicle. Dealer sent check to Chrysler Capital to purchase leased vehicle. Chrysler Capital lost 1st check. Dealer sent 2nd check in XXXX and Chrysler Capital posted check to XXXX vehicle instead of XXXX leased vehicle. In XXXX I received another late notice and contacted Chrysler Capital. Assured me everything was cleared up. Received another late notice XXXX and contacted Chrysler where after much investigation on their part found the check applied to wrong account. By then I was reported to Credit Bureau as 90 days late in payments which in fact I had not owned vehicle since XXXX! XXXX told me they couldn't change credit reporting until XXXX at the earliest, in the meantime my credit rating had dropped terribly. XXXX stated I was still liable for vehicle inspite of the fact I had traded vehicle in on new vehicle! I have filed dispute with the other 2 credit reporting agencies.
Company Response:
State: AZ
Zip: 85367
Submitted Via: Web
Date Sent: 2019-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A