Date Received: 2019-06-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2019 I was on the Michigan Government website seeing which debt collectors were legally able to collect debts in my state. I did not see Santander on the list, but I remembered that they were in my credit report trying to collect a debt. On XX/XX/2019, I sent a letter to them asking them for proof that they are licensed to collect the debt in Michigan, and if they were not, to delete the account off my credit report. They did not send ANY license information proving that are legally able to collect the debt, but they sent a letter back stating that the debt was verified. They completely disregarded the fact that they are not licensed in my state to collect a debt.
Company Response:
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: In XXXX of XXXX the process of repossession of my car was started for falling behind on my payments on my loan with Santander Consumer USA Bank. I immediately paid the past due amount on the loan before the tow truck driver even had the car hooked up. So while speaking to a customer service rep at Santander that very same day, Miss. XXXX, she agreed to waive the repossession fees that they were going to charge to my account because I handled the situation in an expedited manner and brought the loan current immediately. Now, in XX/XX/XXXX I've made the final payment on the loan, and the loan has been paid on time since that incident in XX/XX/XXXX, but they have over {$370.00} worth of fees still open on the account for this repossession in XXXX/XXXX. The fees they promised to waive originally. I've since disputed these fees with a customer service rep, in early XXXX of XXXX, asking her to go back and review the recorded conversation I had with Miss XXXX that day in XX/XX/XXXX. She claimed she had no access to those records and told me that if I don't pay them that they will adversely effect my credit reports by reporting me as being 30 days, 60 days & even 90 days past due on the loan. The loan is paid off. So today XX/XX/XXXX, a representative from the " executive offices '' of Santander Bank called to speak to me about my dispute. She too claimed to not have access to the call I had with Miss. XXXX stating they don't keep those records more than a year or two, yet she had records of a conversation I had with a Mr. XXXX that took place BEFORE my conversation with Miss. XXXX. The executive representative then acknowledged she had the ability to waive the fees from my account and offered a {$50.00} reduction to them. I told her I wanted all the fees waived as I was promised by Miss. XXXX. She refused and so I asked what will happen if I continue to dispute these fees and don't pay them, she replied they would report it to the credit bureaus as unpaid and open and adversely effect my credit. At this point she then said " I won't be waiving any fees for you and I'm notating your account that way as well ''.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: On XX/XX/2018 my car was totaled out I purchase XXXX XXXX gap insurance with my vehicle loan which should have taken care of the remaining balance for my vehicle total loss after the car insurance paid their portion. However XXXX XXXX Gap left a remaining balance on my account which left me past due for two months eventually I paid the balance which resulted in me having to late payments on my credit report I was under the impression that XXXX XXXX gap insurance will pay the full remaining balance of my loan but they did not. How can I get this resolved or can I take legal action?
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is a follow up to XXXX I have not received billing notifications online or through the US mail. After my previous complaint I received a notification for the following month. I received no further notifications. I still do not know if this is the result of simple incompetence or a scheme to collect additional fees. It appears the only way I can receive the promised billing notifications is to file a complaint.
Company Response:
State: CA
Zip: 95124
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-16
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Notice to principal is notice to agent and notice to agent is notice to principal. This dispute is being executed on Santander as they have breached the contract without cause, citing their inability to verify XXXX XXXX Social Security Number. Santander verified XXXX XXXX 's Social Security Number at the signing of the contract and credit approval however they alledge that they are now unable to verify the Social Security Number and they want the vehicle returned which would breach the contract. I put {$1000.00} down and signed contract and pulled off with vehicle on XX/XX/2019 I even spoke with finance company a few days later confirming everything finance company is Santander and place I purchased car is XXXX XXXX XXXX XXXX
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2019-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the experian equifax and trnsunion, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Company Response:
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Santander knows that my car was in a total out accident. Which wasn't my fault. They had my insurance payment held it for about 10-15 days. Then applied it to my account. Now they turned around and reported me to the credit reporting agencies on XX/XX/2019. Like they never received any payments from me or the Insurance company. They have me 30-55 days late. This also brought my score down alot. which has now ruined me from my home purchase which I was in the middle of doing. So now they are going to turn me down for my loan because Santanders just caused me 40 plus points on all three of the credit reporting agencies. I believe they did this purposely because, I made a complaint to your company two weeks ago about them charging me late fees once they applied my insurance payment to my account. They also told me that it would take them 3 to 4 days to apply the other {$3300.00} Insurance to my account and that was last Friday at the beginning of the month and its the XXXX and they have my account still not correct. Im requesting to take legal action against this company and requesting for monetary damages. I was expected to close on my loan on XX/XX/XXXX but, now that my score has went down and they repull my credit for closing I will be turned down for the loan and its Santanders maliciously intent to cause this damage to my score.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I purchased a vehicle back in XXXX XXXX, with a down payment of XXXX. I have been having problems with mold growing on all the carpets of the vehicle and I already had to pay XXXX to replace the evaporator core that was leaking which the dealership notified me that it was not covered, also having A.C problems. They A.C will not get cold and back under the front seats the bracket that makes vehicle move forward and back is all orange and rusted which gave me a clue that this car was in a flood. I also tried to trade in vehicle which they would not approve me for another vehicle. I took some time to research the vehicles VIN # and found that this vehicle was in the hurricane Harvey flood back in XXXX which the dealership failed to disclose this information to me. Now I'm stuck having a 7.5 year loan paying almost 28000 dollars for a vehicle that's already breaking down because dealership did not notify me on the condition of the vehicle
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/XXXX I obtained an auto loan through Santander Consumer USA. The total amount of the loan was just over {$11000.00}. I paid on time 82 % of the time I maintained the loan until XX/XX/XXXX. As a result in XXXX of XXXX Santander closed my account with them. Now in XX/XX/XXXX the car has been repossessed. I contacted Santander the day the vehicle was repossessed to discuss with then the vehicle sale options. They informed me that I owe then over {$10000.00} to buy the vehicle back. My complaint is that after 3 years of monthly payment of {$300.00} my loan was only paid down {$1000.00}. The gentlemen rep for Santander informed me that I was consistently paying late or making partial payments and those late or partial payments went all to Santander in interest and penalties. My problem with this is that they have themselves reported to my credit report that payments where made on time 82 % of the time and that if payments were made late they always charged a late fee of {$15.00} that was to be paid at the time of the late payment. At a payment rate if {$300.00} a month for 3 years I have paid Santander roughly {$10000.00} that that only paid off 19 % of my loan. Santander has mastered moving the goal post and I knew that I would pay off my car even in the 6 year life of the loan. At the end of the day I would have paid for the vehicle twice. I don't want this to happen to other people and I would hope something is done to stop this sort of predatory lending.
Company Response:
State: LA
Zip: 70127
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-13
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: They told me it wasnt going away or was going to stay on my credit score I told them I dont have it and randomly they call an Harass me
Company Response:
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A