Date Received: 2019-06-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I got a XXXX XXXX XXXX the vehicle stared at XXXX dollars ok after all the fees and other it came up to XXXX where the problem start at they got me paying XXXX for 72 months that's XXXX dollars ok they telling me it's nothing they can do when we did the closing didn't nobody tell me well XXXX you no you got to pay XXXX but the bank adding a extra {$28000.00} so your total is XXXX I feel very helpless could you please help me thanks
Company Response:
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This company blatantly fooled me with this car. The interest rate was higher than I had agreed to. I was told that once I made my payments on time that I would be able to trade in my vehicle for something else. I tried, however that was incorrect.
Company Response:
State: NC
Zip: 27360
Submitted Via: Web
Date Sent: 2019-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santanders USA I was in a total lost. I have only had the loan since XX/XX/XXXX. My car got totaled out on XX/XX/XXXX. Third Party at fault. Santander held my insurance check for about 10 days. Then turned around and applied it to my account, and charged me two late fees XX/XX/XXXX {$38.00} and then XX/XX/XXXX XXXX. I called Executive Office spoke with a very, very rude sarcastic person by the name of XXXX, who told me well You should kept paying your car payment per your contract rather we held the check or not. I tried to ask speak to his manager 10 times. He refused to let me speak with him. Then put me on hold and came back to the phone and said XXXX the Manager in charge of the department refused to speak with me as well and said the charges are valid. Then he sarcastically said would you like to talk about something else. I hung up on him.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: on XXXX XXXX i made my march payment to Santander consumer USA. i called and asked them when will my account be considered 30 days late i was informed that the 30th was the last day ( whisch was recorded ). So on that day i went online to make my payment ( where i always make my payments ) & for some reason when i go on line its not showing that a payment was made on that day for some odd reason i beleived it was removed. at that time i was using my XXXX account to make payments. Prior to making this payment i was in XXXX. On XX/XX/XXXX i tried to use my XXXX card and was notified by XXXX that my account was being used somewhere else when i contacted XXXX i was told that all of my funds have been taking out of my account and that they will have to send me another card. so i immediately signed into my online banking and seen that santander has not yet taken out the payment so immediately contacted santander i spoke with a representative and explained my situation to her i asked her was i going to receive a missed payment she stated that i wasnt because my statement hasnt came out yet i asked her multiple times and still received the same response. A week later i was notified by the credit bureaus ( XXXX, XXXX & XXXX ) that i received a missed payment from santander. I immediately contacted santander and requested that i speak with a supervisor when i spoke with the supervisor she said that she will request that the call be reviewed by the executive team and that i will receive a call within 72 hours if in fact i was told that i wont be receiving a missed payment then my late payment will be reversed ( which was also recorded ). So i called back in 72hours and spoke with a representative named XXXX XXXX i spoke with him about my situation and he put me on hold for 20 minutes just to tell me that he did listen to the call and he know that i was told that i wouldnt receive a missed payment but that was inaccurate so he basically told me that theres nothing that they'll be able to do. I have been with santander for the last 3 years and never had a missed payment or a repossession on my account. please assist me with this i have exhausted all of my options. I will like to get the missed payment reversed the account is now in an active status and has always been.
Company Response:
State: GA
Zip: 30168
Submitted Via: Web
Date Sent: 2019-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Chrysler Capital has called repeatedly about a 2017 XXXX I purchased with my now ex-husband. I told Chrysler Capital I lost my son, could not work and my husband, a XXXX, was primary on the loan. My husband filed for divorce a year after I lost my son and I am now raising XXXX young children on my own with very little to no money and an XXXX year old XXXX XXXX XXXX and XXXX year old son with a XXXX XXXX. I asked them not to call me again because I am often times waiting for my children 's doctor to call or tending to my children and at this point I was going to be talking to an attorney about bankruptcy, I have not yet been able to consult and retain an attorney. I told them my ex husband is a XXXX, therefore if they were to collect anything it would be from him so please don't call. They continue to call ( and ask for my ex husband even though I told them we are divorced and I have not heard a word from him ) almost daily. In the last week they have called XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX and I am sure it will continue throughout the week.
Company Response:
State: NY
Zip: 12144
Submitted Via: Web
Date Sent: 2019-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX XXXX has violated my rights under federal law by reporting a collection account on my credit report without first supplying a 30 day notice of my right to dispute. This is a direct violation of the Fair Debt Collection Practices Act.
Company Response:
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2019-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was charged higher the normal on Finance charges. The car was financed at 26.29 %, Interest, Which doubled the cost of the car from {$15000.00} to {$30000.00}. From XX/XX/2013 To date, I have made payments on nothing but interest, and principal has not been paid down, despite additional payments and over payments, nothing has been applied towards the initial billing, Adjustment.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XX/XX/XXXX -XXXX LETTER : On XX/XX/XXXX my husband and myself arrived at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX & XXXX ) Dealership in XXXX XXXX CA XXXX at approx. XXXX XXXX. Our Salesman ( XXXX ) met us as agreed and we discussed the advertised price, features & test drove a 2019 XXXX XXXX XXXX XXXX. During these discussions our salesman mentioned an anti-theft recovery device had already been installed in the car ( Device : XXXX ) XXXX stated, there was a lifetime fee of {$1400.00} for this service and was transferrable if it was ever sold. Finally, at XXXX XXXX we were ushered to to Finance Dept. Spoke with XXXX, who again advised us about the XXXX Recovery device and the cost would be {$1400.00} and this would be rolled into my loan. I mentioned, that I was NOT interested in this device and asked if I wanted to cancel this service could I? His reply was, NO. Not unless you want the interest rate on your loan to go up from 2.9 % to 4.95 % or maybe more than 5 %. I definitely felt very intimidated at this point. I thought, WOW! That sounded like a threat .... So, I either pay them the {$1400.00} for the XXXX OR PAY an additional 2-3 more percentage points in interest? Now, it was XXXX XXXX on XXXX and we were exhausted and had not eaten since XXXX XXXX the day before. We signed the documents and waited for someone to show us how to operate the car, ie the lights, power seats, keyless entry, the Navigation ( GPS ) system, as well as the very complex performance features and settings pertaining to the cars traction settings. We were also promised FULL instructions on the use of 4 items in the vehicle- the XXXX Radio, GPS, XXXX ( XXXX -HELP ) System as well as the XXXX device by the salesman. The salesman assured us that he would make sure all of these items were activated and operational prior to our leaving the parking lot. But, NONE OF THAT HAPPENED. We were not provided any car instructions, the XXXX radio is not working, NO XXXX system is operational, nor was the XXXX XXXX XXXX system activated. ( Good thing our car hasnt been stolen yet. ) On XX/XX/XXXX, in the mid-afternoon I wrote several emails to the dealership and to the XXXX company requesting a refund of {$1400.00} or to roll this refund into my loan as a larger down payment. My husband had been reading over the cars manuals and what the features were. He noticed that the car had a XXXX XXXX - anti-theft recovery system in place provided by XXXX. The price for this feature had already been ROLLED into the price of the car. ( It is clearly noted on the cars Itemized Window Sticker. ) Today on XXXX, I called the XXXX organization and was told they can not help me and to call the dealership. At XXXX XXXX I made numerous attempts to reach someone at the dealership- spoke to the Sales Manager, numerous sales persons, texted the Sales Manager as well as the salesman ( XXXX ) pleading for him to call me. Left numerous messages on unidentified voice message boxes. Requested that the Finance Manager or XXXX call me back to discuss this issue further. All efforts have gone unanswered. There is no mention on any of the documents signed that I could OR could NOT cancel. NO MENTION of a NO REFUND Policy on the XXXX. Therefore, I am not sure WHY XXXX Dealership is not willing to refund this unnecessary expense. I never authorized them to put the XXXX in my car in first place and if they want this device back ... then they can remove it. I am well within my rights to refuse this EXPENSIVE DUPLICATE SERVICE. Why should I pay TWICE for an Anti-Theft Recovery system that I am paying as an inclusion in the price of the car which is part of the XXXX products?? Any assistance would be appreciated. Thank you.
Company Response:
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-03
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Santander Consumer aggressively called my phone during the time of my loan at different times of the morning continuing throughout the day as late as XXXX XXXX. I spoke with them inregards to the repeated phone calls, even after I spoke with a representative. Santander also created fee and over charged me for the vehicle with the APR standing at 25 %, which forced me to do a voluntary repossession. They have sold the vehicle and still are charging me for these fees. They have been sued by other customers with the same complaint in the XXXX XXXX XXXX vs Santander Consumer as well as XXXX XXXX vs Santander Consumer.
Company Response:
State: GA
Zip: 31061
Submitted Via: Web
Date Sent: 2019-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-02
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: when the vehichle was originally picked up for repo Santander offered to return the vehicle upon payment of the past due amount and applicable fees, which was done the day following the vehicles repossession. after checking my credit report 30 days later the account showed as charged off/ closed by creditor. when i contacted Santander about this inaccurate status i was informed it would remain that way until paid in full. i was unable to attain any movement in all attempts to correct this.
Company Response:
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2019-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A