Date Received: 2019-04-26
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I was advised by my attorney to make a complaint. I am physically XXXX with a XXXX XXXX XXXX and Im bound to my XXXX. I was awarded a vehicle loan by santander consumer USA, and I chose a XXXX XXXX from XXXX in XX/XX/XXXX. The way the loan was structured I would be paying 200 % of the vehicles value and after multiple failed attempts and no help from the staff or reps at the company I was forced to file for bankruptcy in XX/XX/XXXX. I even called to see if there were any payment options due to my situation being XXXX and me not having a steady income and having medical issues, such as my XXXX breaking down or no assistance ( no nurse ) the company still refused to assist me in any way. Lastly I acquired 2 loan companies who were willing to refinance and take over the loan near a 3 % APR and Santander still refused. The companies offering the new rate were upfront with me and wondered how did I even get the loan because I had no drivers license. The gentlemen suggested I need to look into it and advised me I may have been targeted just to access may income. After great assistance from the law firm that assisted in filing my chapter XXXX bankruptcy due to Santanders ' unfair practices I am picking up the pieces of my financial ruin. Im not completely blaming them however because of their greed and very confusing XXXX financing terms I was put in a position to fold ( for lack of a better word ). The file attached is a financial payment history document I sent to my attorney after Santander reps advised they would no longer work with me and they will deal with my attorney if need be.
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I hoping you can help me. The account in on XXXX reporting open and that it should be close or written off .I am being reported delinquent. In XXXX I had a XXXX XXXX XXXX. It started having problems, shutting off midstream while driving. I took it to the XXXX dealer to find it what was wrong and was told that it would cost me more than it was worth to fix and I should get another vehicle. This took place on a Friday. A salesman convinced me to test drive a XXXX XXXX XXXX that had all the bells and whistles. I filled out the paper work and was told that I would hear from the bank during the week. That next week I got a phone call telling me I was approved for the car but I had to come to the dealer right away because the bank rep is only on the premises on that day andwould be leaving by XXXX XXXX. He also told me I could drive home that day with the new car. I went to the dealership and immediately after work and was ushered into a vechicle that looked just like the one I had test drove the week before except some of the bells and whistles were missing and it was an older modelXXXX! I was convince to speak to the finance manager and work out a deal because I was not approved for the XXXX but I could get the XXXX. I was asked to leave my XXXX in the service area and go speak to the finance manager. I expressed my discontent about the salesperson telling me I was approved for the vechicle that I test drove to get there to find out that was not the case. The finance manager told me my credit could get me the XXXX not the XXXX .I told him that I had not test driven the car and I didn't know if I would like this one. He assured me if I didn't like it after test driving it that I was not obligated to purchasing it. He convinced me to fill out the paper work to save time. I had given a check the first time as a deposit on the XXXX. Once I filled out the paper work I went to the salesman and he said we would test drive the XXXX and for me to get in the car and he would meet me at the bottom of the ramp. It was getting late around XXXXXXXX.After waiting 15 min for the sales person I saw the General manager and asked him to find out what was taking the sales person so long. He responded he was on his way home and he didn't know. I waited about 1/2 asking someone in side to located him. I drove back up to the service delta and it was closed with my XXXX inside. I was furious so now the dealership is closing and no sales man around. This dealer is about XXXX miles from my home. I had no choice but to drive the car off the lot and I had to pick up my children. I return the car the next day very upset and was told my car was taken to auction!!! I called a lawyer. The lawyer set up an appt a week later because this all happened a week before XXXX .The General manage and the Finance manager and the sales person. all lied and said that was the car I originally put the deposit on and now I was having buyers remorse. I felt very intimidated because they all ganged up on me. They would not give me back my car so I left with no vechicle. I didn't have any money to retain the attorney because I need to buy a car now. The bank Santander the finance company says I owe them for the XXXX XXXX which I never had and it's ruining my credit. This was XXXXyears ago and they just out on my credit report that I am 180 days late!! I really need your help to unveil these people who scam woman. Thank you for your attention I have attached a statement from the attorney.
Company Response:
State: MA
Zip: 02121
Submitted Via: Web
Date Sent: 2019-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I paid off an charge off account with Santander consumer USA on XX/XX/XXXX and received a letter stating that the account has paid in full. However when disputing with the 3 credit bureaus, Santander responded with the same original amount owed and does not update balance on report to an XXXX balance per agreed and stated on the settle in full letter. This is fraudulent reporting on my credit report and needs to be corrected on with all 3 credit bureaus before legal action is taken.
Company Response:
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A week ago I received a letter from a collection agency that had been sent to my old address. I am being charged for a debt I do not recognize, I wasn't even in the USA at the time of the debt. I'm posting a letter tomorrow disputing the debt, but now I'm worried that there may be other debts incurred under my name without my knowledge or permission.
Company Response:
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2019-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was taken over by a relative and is no longer mine. Also it's been closed and still shows as open.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: XX/XX/2011 purchased 2006 XXXX from XXXX ... vehicle financed by santander consumer for 72 months..96 months later still paying for vehicle and santander says I have a balance of XXXX ... santander sent paperwork to me to modify loan to pay XXXX in 14 months ... amount financed by santander was XXXX XXXX total of payments XXXX ... .total sale price XXXX ... .i have paid santander over XXXX on a 2006 vehicle and they say I still owe XXXX ... I have bought a lot of vehicles and every vehicle was paid in full when the scheduled number of payments were made..do not feel I should pay santander another dime to get my title.
Company Response:
State: NC
Zip: 28376
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I do not have a contract with SANTANDER CONSUMER USA. I found out from the credit reporting bureaus XXXXXXXX, XXXX and XXXX that there was a negative account under " SANTANDER CONSUMER USA '' under account number XXXX. SANTANDER CONSUMER USA has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date SANTANDER CONSUMER USA has failed to provide the information requested. SANTANDER CONSUMER USA is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. SANTANDER CONSUMER USA has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that SANTANDER CONSUMER USA has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that SANTANDER CONSUMER USA currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither SANTANDER CONSUMER USA possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, SANTANDER CONSUMER USA shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To Whom It May Concern, I was sold a used XXXX XXXX vehicle by the XXXX XXXX dealership of XXXX XXXX, California in XXXX. I was fitted into a loan promoted by the dealership itself known as Santander Consumer USA. The vehicle was sold to me under false pretenses, as the car was in poor condition and had mileage that was falsely reported in the original paperwork for the purchase of the car. The odometer had illegally been tampered with and as a result, the reading was inaccurate. I attempted to contact the dealership and the loan department to no avail. I then proceeded to contact Santander Consumer USA in an attempt to remedy the situation and return the vehicle, allowing for the lease to be considered null and void. Santander Consumer USA proceeded to voluntarily threaten my credit by posting a charge-off to my account when I voluntarily turned-in the car in XXXX XXXX, New Mexico in XXXX. The Vehicle was serviced repeatedly, costing thousands of dollars, at many XXXX XXXX dealerships throughout the Western United States. I have attempted numerous times to settle the debt with Santander Consumer USA, to be told that unless the lease terms were met in full financially, they would not reverse the charge-off status on my credit reports. The vehicle was sold again at auction and I have been left with a very damaging mark on my Credit Reports and have been repeatedly denied credit over this allegation Is there any assistance you can offer me on this matter? Most sincerely,
Company Response:
State: IA
Zip: 521XX
Submitted Via: Web
Date Sent: 2019-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-24
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XXXX I financed XXXX XXXX w/ XXXX miles from XXXX XXXX XXXX XXXX NY. The selling price for the vehicle was $ XXXX and I was given a financed amount of $ XXXX by Santanda Bank to pay over a 72 month term at an interest rate of 21.9 %. At {$540.00} per month for 72 months it is estimated that i would be paying off $ 39k or more at the maturity date of the loan. 42 months later Ive already paid about $ 21k. I will admit that Ive been significantly late on most of my monthly payments from the start and even had 6 months pushed to the back of the loan. However, all this was because of financial hardship and extensive repairs that I had to deal with within 6 months of purchasing the car. Fast-forward to 48 months later in XXXX, while still struggling with extensive repairs and failing inspections, I still owe $ XXXX on the vehicle with XXXX miles used and a book value of no more than $ 4k. The bank says Ive only been paying interest and that my principal has yet to be affected by these payments.
Company Response:
State: NY
Zip: 10023
Submitted Via: Web
Date Sent: 2019-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Santander Consumer USA loan account was opened prior to date they are reporting XX/XX/XXXX. The vehicle was an voluntary reposession. I tried dispute the loan after talking to them they then updated the account in order to keep in on my credit file for another year. Now showing XX/XX/XXXX. Originally it was scheduled to be removed XXXX of XXXX this month this year. My wife and I are disable to to an automobile accident in which an semi truck ran us over on XXXX XXXX XXXX of XXXX. Due to legal obligations having to sue trucking company we were no longer able to pay car payments. I called and asked for an voluntary reposession of the vehicle. In it has been I've 7 years and Santander is still reporting on my credit file which is influencing my credit file. I have had 7 loans since this occasion and all are paid in full at this time. I am desperately needing Santanders negative credit removed from my file. My wife and are are still disabled on XXXX due to the motor vehicle accident and we ask them to co-op with us to remove this item however they updated it this year and changed origin start date on the loan so it would show for an additional year. We are struggling to maintain our utilities and raising our granddaughter at this time. I ask that they please remove this item from my credit file.
Company Response:
State: OK
Zip: 736XX
Submitted Via: Web
Date Sent: 2019-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A