Date Received: 2019-06-19
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I Went To XXXX XXXX XXXX & put a XXXX down payment on a vehicle my first month Carnote was due XX/XX/2019 my sales person instructed me to pay in cash XXXX to the dealership. On XX/XX/2019 my car was repossessed due to a 72 day behind payment which was the first carnote payment i called my bank and told them that i paid my dealership the first car note of XXXX and i have the receipt the bank stated they havent received anything, when i spoke with the dealership they stated that Santander bank took that out of there check, Santander bank wants me to pay off & also i am a first time buyer, they said it was a 24-48 hour investigation but it appeared on my credit in debt the same day
Company Response:
State: TX
Zip: 77022
Submitted Via: Web
Date Sent: 2019-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have put FRAUD ALERT ion my credit report several years ago. There are INQUIRIES offering me credit that I DID NOT AUTHORIZE. Someone is going in and out of my credit report without my permission. PLEASE HAVE COMPANIES REMOVE SUCH ITEMS FOR I DID NOT HAVE ANY KNOWLEDGE OF SUCH NOR DID I GIVE ANY COMPANY PERMISSION TO RUN ANY CREDIT IN MY NAME. Please REMOVE BOGUS INQUIRIES.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2019-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
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: Two years ago I found out that a car I cosigned for my daughter which was totaled had an amount still outstanding. XXXX paid it off except for about {$1200.00}. I was wholly unaware of a deductible because I was a silent party to the deal. Once I found out about it through my credit report, I contacted the company who wanted to settle it. I refused to settle it and wanted to pay it in full show that it was reflected in my report. They had it showing as a charge-off. I contested it because I never received notice of it. They had my address and license ( and did the deal via telephone ). I signed and sent paperwork via XXXX. Because they had my address as a co-signor, the representative agreed to reflect it differently as paid in full and not as a charge-off. They sent me a letter stating so ( attached ) and changed it which allowed us to be able to purchase our home. Now 2 years later, we found out it is again reflected as a charged-off account. We do not know why they reverted it to charge-off status. After calling them and trying to speak with someone who could help, we have decided to open the matter with you. We can not open a dispute because the bank ( s ) will not do a deal with open disputes. We had to rectify something that looked like a dispute on my husband 's record from 15 years ago that had already been taken care of. We do not know how these records keep reverting back with old information or erroneous information. But now time is of the essence. We were supposed to close this Friday and the second bank backed out because they won ; t do business with anyone with a charge-off in the last 5 years. I am being deployed on XX/XX/XXXX and can not take care of business while away. CAN you help us? Time is of the essence. I am attaching the paper work.
Company Response:
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2019-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I finance a 2009 XXXX XXXX with Santander Consumer USA. When I finance the vehicle, I was in the middle of a chapter XXXX bankruptcy that discharged in XXXX of XXXX. Santander approved me for the loan I had an approval from my trustee as well. After financing the vehicle with Santander, they reported to my credit for a few months. Then I noticed they stopped reporting. I called Santander to find out why they werent reporting. They said because I filed bankruptcy. Which was incorrect I was already in bankruptcy when I was approved for the loan. After inquiring about this matter, they went and removed it from my credit altogether. I do auto finance for a living. I have had multiple customers in bankruptcy that were approved by Santander the same way and they reported their loans to the credit. When these customers came back to purchase another car or trade, they still reported years later. I would have never financed this vehicle. I would of payed cash at the time, so I didnt need to pay any interest ( especially a high interest rate ) if I knew they werent going to report to my credit. I made 12 payments on the loan then I paid it off, so I didnt need to pay any more interest. I want this account to be reported to my credit. I paid them to report to my credit I feel they should make this correct. I have contacted them multiple times about this issue including trying to contact the president of Santander Consumer USA. No one want s to correct this issue they say they cant. Its not a matter of cant as it is the will to. I made all my payments on time.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: On XX/XX/2015 I facilitated a loan from Santander Consumer USA, I know my credit score was low because I was in XXXX ( XXXX ) and unfortunately I can not make any excuse but I was away. It was not explained to me that the loan would incur interest everyday at an alarming rate. My first 3 payments which were paid on time were applied solely to interest {$720.00} ( solely to interest ). I was at loss, not one day late and nothing applied to principal but then every payment I sent was applied mainly to interest and very little to principal. I called them, my parents called them on my behalf because this was impacting my XXXX and XXXX. I started having a hard time paying my payments because I could not keep up with the payments. Santander did not care. I research and know in other states they have class action law suits for inflated auto loans. My mother just took a personal loan to help me, She feels this is a predatory loan and said this amount of interest does not seem legal, please help me. She is paying the car off but I am leaving her in debt and if I can send a payment history you will see the damage done. please help this seems wrong and unjustified
Company Response:
State: NJ
Zip: 07631
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: On XX/XX/2019 I received a copy of the Vehicle Inspection report from Chrysler Capital indicating that all 4 tires needed to be replaced at the astronomical price of {$170.00} per tire. I called and spoke to a representative on XX/XX/2019 trying to negotiate a fair price as I researched tires and found at least five brands all under {$100.00} per tire. I was told that there was nothing they can do to help and I asked to a supervisor who indicated she can knock off 25 % which is {$170.00}. I explained that it was not fair that the appraisal company gets to pick the price of the tires and when I asked XXXX what tires were put on the vehicle to replace the worn ones she indicated she couldn't tell me. The customer service rep told me that they called me and sent a letter advising me that I should get my own appraisal, i never received the call or letter. I would have purchased a cheaper tire on my own if that was the case and not left the price up to the hands of a third party vendor. The fee is Unfair and the process Deceptive ( UDAAP ) and like I told the representative, I am willing to pay a fair price. Why would I pay {$170.00} per tire when the only one benefiting from that exuberant fee is Chrysler Capital. They are not treating customer 's fairly at all.
Company Response:
State: NY
Zip: 11783
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an account with Santander ( XXXX ) and have had issues with them non stop. On XX/XX/XXXX, I entered into an payment agreement to pay only interest on the loan for 6 months so that I can have a lower payment. I paid {$250.00} to start the agreement on XX/XX/XXXX and the payment agreed to begin on XX/XX/XXXX was {$270.00}. On XX/XX/XXXX, I made the first payment of {$270.00}, that day it looks like it was reversed. On XX/XX/XXXX, a payment for {$270.00} was made and a payment was not made for XX/XX/XXXX. In XX/XX/XXXX, my car was repossessed and I was told, in order to recover my car, I had to pay everything except for no more than {$250.00} that would assess to my account on the next statement. I paid a total of {$1900.00} for payments since XXXX ( is what I am told ) and fees. On XX/XX/XXXX, an unknown fee of {$380.00} was assessed to the account. No one is able to tell me what it is and clearly, it is more than {$250.00}. I was then told that my next payment would not be until XX/XX/XXXX. I also asked repeatedly for a break down of the {$1900.00} paid at the time of repossession. No one can tell me. I was told they should have collected the repo fees against the {$270.00} payment but, they collected the car with the {$450.00} payments instead of the {$270.00} ( an error confirmed by Santander ) so there should be money left over ... but there isn't. Since my payment wasn't due untilXX/XX/XXXX, XX/XX/XXXX ( per the statement {$780.00} was due- {$450.00} payment + {$330.00} ) I made a payment for {$500.00} for XX/XX/XXXX even though I was still supposed to be under the payment of {$270.00}. I received an XXXX statement stating I was due {$1300.00} ( {$450.00} payment + {$830.00} past due???? and {$76.00} in unpaid fees??? ) what are these late fees and past due balance??? On XX/XX/XXXX I made a payment for {$550.00} and called to inquire on this statement and how the credit report was being reported. How could I be past due so much if I am overpaying AND I " had to pay all fees including late fees at the time of the repo ''?? They told me I was up to date and had left over money for my XX/XX/XXXX payment and they were " fixing '' the issue in accounting, not to worry about it. I did not make a XX/XX/XXXX payment. My XX/XX/XXXX statement indicated I still owed {$1100.00} and all kinds of accounting had been done again ... but not to my benefit. I made a XXXX payment for {$450.00} and received three calls as of XX/XX/XXXX to " explain ''. One was a male who explained he would help me, placed me on hold and disconnected after being on hold for a long time. The other two times I XXXX from the executive offices called ( would not give me her employee ID and stated I could not contact the CFPB and didn't even know who that was ) she would not allow me to ask questions and stated I would not be able to speak to anyone else. When I explained they overcharged me when my car was repossessed because they collected payments for {$450.00} and not {$270.00} she agreed and placed me on hold, never to come back. Before she placed me on hold, I explained, they keep assessed fees that no one can explain, I needed a breakdown of where my money went when I paid for the repo {$1900.00} with the payment of {$270.00} plus a break down of the fees assessed to see if there is money left over. And I need an explanation of the fees assessed since I was told they were all included except for {$250.00}. I feel that this company is super shady and is on a mission to reposes my car. I have over paid on my payments and overpaid when my car was repo'ed and they are saying I am still past due ... .and my XX/XX/XXXX payment is {$550.00}. Please HELP!! This company is out of control!! And the reps don't know what is going on and keep telling me different things!!
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: unknown debt
Company Response:
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Tried contacting/ Disputing with Santander , was given no help. Put negative makes stating I was 30 days late when the account was charged off and sold to another company back in 2015. Public records still stating that the account is still owed
Company Response:
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander charged the account off but increased the balance 2x since it was charged off. Also, they charged me 2or 3x the amount the car was worth.
Company Response:
State: FL
Zip: 34234
Submitted Via: Web
Date Sent: 2019-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A