Date Received: 2019-07-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: They I still own {$7800.00} on car I dont under stand. Im paying on car twice. 81 months finance ok. I dont understand I own so much They are riffing me off.
Company Response:
State: MS
Zip: 39157
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Santander Consumer has committed unaffair business practices and scheme, fraudently sale contract practice for car loan. I have made over {$10000.00} on the vehicle and a {$4000.00} deposit the company refuse to adjust the payment {$19000.00} has stay the exact same for 2 yrs as of XX/XX/XXXX not matter what substaniel payment are made they just don't change the balance current or late. They charge a hidden fee 18 % daily even after collecting {$440.00} amount and XXXX but will never change the balance no matter what payment are being made at all just a complete scam. Santander Consumer investors pool are greedy and doesn't have the best interest for the customers.
Company Response:
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validationof the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate inbringing legal action against you and your client for the following : Violation of the Fair Debt CollectionPractices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must ceaseand desist. Also, during this validation period, if any action is taken which could be considereddetrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards
Company Response:
State: LA
Zip: 70301
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The vehicle is covered by insurance XXXX XXXX XXXX XXXX insurance who received letter of guarantee from Chrysler to pay off truck that they said was totaled when someone hit my vehicle on XX/XX/2019. XXXX said they would pay {$46000.00} of the payoff of {$55000.00} and I have gap insurance to cover the balance owed. The truck is still showing due on my credit and showing late payments and affecting my credit negatively. Chrysler has not called me to resolve this issue and this is hindering me from buying another vehicle and another home. I have been paying the insurance with XXXX and the gap insurance with Chrysler as contracted and have not received the service I paid for. It is now XX/XX/2019 and this is still not resolved. Chrysler has all the documents included below. XXXX picked the truck up without our knowledge on XX/XX/2019 without our knowledge and it has been in their possession every since.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I admit I fell behind on my payments. I had a car loan with Santander. I purchased the cars in XXXX therefore I made 4 years of payments on the car. I am XXXX years old so finding work is problematic. I am also XXXX so really need a car. Santander repossessed the car out of a friends driveway trespassing as they repo 'd the car. They repo 'd the car on XX/XX/XXXX. I started my new job on XX/XX/XXXX. Santander has refused to work with me. They have refused to reinstate the loan. They have refused to refinance the loan. The car is a 2013 XXXX XXXX with some damage. I bought it with the front bumper loosely attached to the car. A 2013 XXXX in excellent condition is worth {$7000.00}. I figure this car is worth at best with the body damage about {$3500.00}. I have read that car loans are now securitized. It makes no sense to me that Santander will take a 100 % loss ( I filed for bankruptcy ) and refuse to work with me. Santander told me they wanted {$17000.00} for the car. I had to pay that amount upfront. Its an extreme hardship for me to be without a car. I do not get around easily. I had 4 years of equity in the car. I just really hate a system that allows a company like Santander to grab the car. I realize they would claim I was behind on the payments but Santander absolutely refused to work with me. Their rationale was that I had fallen behind before so this made me a bad customer. If there had been any way to keep the car. Before the car was repossessed Santander refused to talk to me. I am talking to a customer service rep at Santander who told me to talk to a court rep whatever that is. Santander has refused to reinstate the loan. They said it would be {$3500.00} to reinstate which I can pay but they won't do. The loan itself is a horrible subprime loan at 18 % so I barely made a dent.
Company Response:
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2019-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: We took delivery of our new vehicle in the dark and in a thunderstorm, late in the evening after spending hours at the XXXX XXXX XXXX XXXX on the date of purchase. When we first saw our vehicle in the daylight the next morning, we made several startling discoveries including a damaged front bumper, a large dead beetle wedged into the firewall and a torn window sticker stuffed into the glovebox with all of the federal disclosures and EPA disclosures missing. We immediately requested a reprint of the original window sticker along with all federal and EPA disclosures. When we finally received those disclosures almost two months later on XX/XX/2017, we also discovered proof of {$2600.00} in undisclosed charges tacked onto the price of our vehicle for add-ons that were never installed, including window tint. That missing window sticker that shows the MSRP inflated {$2600.00} to {$42000.00} is also attached. Additionally, when we compared the attached Buyers Order Agreement pages printed at XXXX XXXX. on XX/XX/2017, we noticed that the rebate listed was only {$5000.00}. This is in direct contradiction to the attached E-mail message that we received from XXXX XXXX at XXXX earlier that same day, XX/XX/2017, at XXXX XXXX. promising Triple Savings {$8400.00}. This is the E-mail from XXXX XXXX that lured us into its dealership. In addition to overcharging us {$2600.00} for items that were never installed, XXXX XXXX failed to provide us {$3400.00} in promised savings that were used as inducement for purchase. XXXX XXXX owes us {$6100.00}
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I entered into a loan contract for a new vehicle purchase with Santander Consumer USA based on false information the car dealership 's finance and sales teams told me ( XXXX XXXX XXXX ). I was told that I had a XXXX XXXX FICO score and that Santander Consumer USA was the only lender who approved my loan. This information was purposefully falsified so that I would be forced to accept an extremely high interest rate from Santander. The finance manager refused to give me copies of my signed documents, including my bill of sale. He said he was required to send everything to the lender. I had to threaten to file a lawsuit to get a copy of my paperwork form the manager. It took months to get my documents from the dealership.The bill of sale showed I was charged {$390.00} for a wheel lock and {$35000.00} for the vehicle instead of the {$33000.00} that was advertised. They stole my {$2900.00} down payment by manipulating the numbers. I later learned other more reputable lenders had approved me, like XXXX XXXX, and these other lenders showed my credit ( FICO ) score as XXXX from Transunion on XX/XX/XXXX, the same day Santander ran my credit. Santander charged me an interest rate of over 14 %, but lower it to 13.85 % when I vehemently complained. I was told my first payment was due in 45 days, which is how my monthly payments were being applied to interest only on a simple interest loan. To date, not one cent has been applied to the principle of the loan. Santander doesn't only play on the public 's ignorance, the company intentionally misinforms consumers who rely on the company to deal honestly and ethically and provide factual information to loan holders. Santander is unscrupulous in its business dealings, especially car loans. My vehicle was repossessed and Santander failed to provide me with details and legal documentation of the sell of my XXXX XXXX XXXX XXXX. I gave back the vehicle at XXXX on the odometer. However, it was at nearly XXXX when it was sold. I was not given advance notice or an option to buy the vehicle. I believe the vehicle sold for much more than the {$22000.00} Santander claims. I want the paperwork. I want documents with the state seal from the state in which the vehicle was sold. I want Santander to be held accountability for its misdeeds, fraudulent financial activities regarding consumer loans, especially how they ignored my many requests for documentation PRIOR to the repossession. Santander representatives in the " Office of the President '' ( which is essentially a call center ) lied for months about sending the requested documents via fax, email and direct mail. When I finally received the documents via e-mail, I could not open the secured link until I signed my signature, authorizing Santander to use my signature on other documents. I refused to do so. I wrote a lengthy letter and faxed it directly to Santander 's designated party to no avail. I really regret dealing with these crooks. I currently have the Santander loan on my credit report and Santander keeps re-aging the inaccurate item. I want it removed and I want a refund of my payments and {$16.00} fees to make a payment. I can't get approved for a vehicle now due to this single ordeal. I have been told by my financial institution and several dealerships that I could have any car I want if Santander wasn't on my report. I truly want them stopped. I want justice for myself and others. Please help me stop these thieves.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I got into a car accident where I was a victim of hit and run insurance didn't cover the accident. It wasn't until around XX/XX/XXXX of 2019 we tried to do an involuntary surrender of the vehicle, I was told by the lady who worked for the bank that holds it " sorry we don't do that. '' I called again about it XXXX days later and they finally agreed to take it I gave them the information as to what company has the vehicle. XXXX days later I go back to check in with the garage where I was keeping my car, the owner of the shop told me never got a phone call, I call the bank and gave them the owner 's number. Next XXXX days they sent an estimator out and shipped the car off to another place for the car to be sold. The shop has waived lot fees for me from XX/XX/XXXX to about XX/XX/XXXX of 2019. From that point on till the time the car was removed I paid the garage XXXX $ in fees. A couple days later I get a letter from the bank saying I owe them about XXXX $ ; XXXX $ for the transportation from the shop in XXXX XXXX, PA to XXXX, PA and XXXX $ or so for the day it was sitting there before the bank got the car. The letter also stated it will be sold within XXXX days of this letter and that I would receive a call. A month goes by I call the bank they told me the car was estimated to be about XXXX $ and they would call me when it was sold and that the car was being sent to auction in Texas. They also tacked on another XXXX $ for what they claim is lot fees from the shop out here in XXXX XXXX. It has been over 4 months since they have had the car and has been shipped to multiple auctions already and still not sold. At this point it seems as if the car may have been sold and not applying the proceeds to the loan. The shop I had it at is called XXXX XXXX XXXX XXXX. There estimate was the car is worth about XXXX $ - XXXX $ in a basic good condition, my car 's damage was to the back passenger and bad enough the trunk wouldn't close ; the estimate given for that condition is XXXX $ - XXXX $ and XXXX $ in repairs.
Company Response:
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I asked several times from the car dealer and the bank about the credit report they pulled up in order to give me a interest rate of 15.99 % on my car loan and they have denied me of it. They told me that they don't have to give it to me and that I signed the contract already it want change nothing. Shady practices. Can someone help me retrieve the information that they pulled up at the time of purchase so I can make sure I wasn't screwed.
Company Response:
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name is XXXX XXXX, DOB XX/XX/XXXX and last four of social security number XXXX. On XX/XX/XXXX I contacted company " XXXX XXXX '' to purchase a vehicle. I wanted to see if I would pre-approve for a car loan with one of their creditors, same way I pre-approved with my bank and employer XXXX through their " XXXX XXXX '', an app which sees if you pre-qualify without affecting your credit nor pulling a hard inquiry. However, I ended up going with my credit union XXXX XXXX XXXX XXXX because they provided the best rate and lowest interest rate. It was not until I received notification alerts to my email via XXXX and XXXX XXXX that I learned that instead of pre-approvals or soft credit inquiries I received hard inquiries. Subsequently, I reached out to the banks that performed the hard inquiry to request that they remove or convert to a soft inquiry because I did not authorize or consent to a hard inquiry and they stated that I would need to send a letter from XXXX XXXX as well as a letter from myself requesting that the hard inquiries be removed. I sent out both letters first class certified mail to the banks, credit unions and credit bureaus on XX/XX/XXXX and XX/XX/XXXX and I'm being met with opposition. XXXX 's XXXX XXXX XXXX XXXX in particular sent me back a nasty letter, stating that my letter implied " erroneously '' obtaining my credit report, although I sent them a letter from XXXX XXXX. If that's the tone of their letters to potential clients I can't imagine their actual customers, disgusting. XXXX XXXX XXXX XXXX also sent me a letter and stated that I claimed I was a victim of identity theft of fraud, which I never claimed to them, nor have I ever claimed in regards to these inquiries. XXXX aka XXXX is dragging their feet and not offering any update or response ever since I sent them information. On the letter from XXXX XXXX it lists all the banks/credit unions that performed a hard inquiry.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A