Date Received: 2019-04-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX in XXXX of XXXX. At the time of the purchase I was told that a {$1000.00} down payment would be needed but was not told that on the phone when I was approved. I told the salesman I did not have {$1000.00} but he could take it out of my account within two weeks. I gave my debit card information before I left and assured him that it would be in my account. Two weeks passed and then the year XXXX passed still no removal of my money which I assumed had been taken out. No contact from the dealership regarding the matter a month after I purchased the car two months three months nothing. Then about several months ago I would say around XX/XX/XXXX I received TWO separate calls from the dealership informing me my down payment was never received. I called back TWICE and left messages to the finance manager no call backs ever. No certified letters sent to me no other phone calls until today XX/XX/XXXX from XXXX who I am assuming is the HEAD collector. She left me a voicemail stating that if I did not contact her immediately that she was going to Magistrate Court and file a warrant on me. I proceeded to call her back and attempted to explain to her that I have called several times as in TWICE no callbacks no nothing and she proceeded to get loud and state that I was going to be arrested and I got loud back and told her that she had no right contacting me with a threat to have me arrested for an issue on their part that they should have called me a month after I bought the vehicle, I never received any certified letters no callbacks after I left TWO messages back in XXXX. She proceeded to hang up in my face. I called the dealership back and asked to speak to the manager over the dealership at that time I told the receptionist what just transpired and she transferred me to a gentlemen by the name of XXXX I may be wrong about his name but he identified himself as the manager but I proceeded to explain to him what was going on and he basically stated to me if I have so much money why I had not paid my down payment and I explained to me that it is against the federal rules and regulation for XXXX to call me with a threat of arrest over something that the dealership DID not properly handle. He got smart with me and I told him I can give you {$500.00} today and he still kept being very rude and nasty and I explained that he needed to inform XXXX that she can not as a collector call and leave messages with the threat of arrest and also when I spoke to her she can not harass me and say she would get me arrested and a warrant taken out on me, He proceeded to take my information and told me well XXXX is the Cougar of the company meaning she's going to use whatever tactic to get a debt that is owed and hung up in my face as well. I am a medical consultant and I have done collections in the past and I know that it is not acceptable to call in a harassing or threatening manner regarding a debt. I also called XXXX XXXX to complain to inform them of the issue and I want to say that they are not part of my complaint but they did proceed to take a statement from me and gave me Case # XXXX regarding my complaint.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been faced with difficulties involving my credit. I have accounts that have been reporting on my credit for some time now that are not mines. I have no idea to how this could have happened nor taken place. These accounts are the result of an identity theft.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Contacted Santander Consumer & was told a letter needed to be mailed to dispute the amount owed. Letter mailed no update has been received by all 3 credit bureaus. Santander has not reported to the bureau since XX/XX/XXXX which at the time the balance was approximately {$18000.00}. It is now XX/XX/XXXX the account balance is now approximately {$8000.00}. There has not been an update.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: In XX/XX/XXXX, I visited route XXXX XXXX, spoke with XXXX he sold me a XXXX XXXX XXXX for XXXX after taking out the trade-in price of XXXX. I show him the car was valued at $ XXXX, but it was too late, sales pitch, wouldnt take no for an answer etc THEY GOT ME. They gave me a loan from Santander consumer USA for XXXX, 72 months at 20 % interest. Ive been trying to get out the loan for a lower interest rate for 2 years but no one will touch a loan that the loan is SOOOO MUCH more than the value of the car.
Company Response:
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My car was declared a total loss in XX/XX/2018. XXXX payed off the loan except for {$1.00}. Santander never informed me of the remaining {$1.00} balance. Santander charged off the {$1.00} and reported it as a charge off to all 3 credit bureaus. I was never informed by Santander of their intent to collect the {$1.00} nor that they would report it to the credit bureaus without trying to resolve the issue. I've called Santander to ask them to remove the charge off but they insisted that I send a dispute letter for this charge off. This doesn't seem as though this is something I should do as they didn't bother to send me any correspondence of their intent to charge off the account and then report to the credit bureau as if I didn't complete the payment of the loan when XXXX didn't pay the full amount.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I purchased a new XXXX XXXX XXXX and was charge 27 % interest. According to the Illinois predatory lending act the average I should be charged is 13 % - 18 %. Please advise
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: The interest rate on this loan is too high. I almost only pay for the interest rate. I had XXXX XXXX 2018 and not able to work that much. I asked them for lower payment obtions. They only gave me loan extension. Because I cant work in XXXX as I used to before because of pain Im behind my payments. They reported to the credit agencies even I told them I had XXXX. Now I cant refinance my loan or get student loans because they reported negetive to credit bureau agencies
Company Response:
State: CA
Zip: 92692
Submitted Via: Web
Date Sent: 2019-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Upon starting my new lease I enrolled in autopay to handle the monthly payments. Everything appeared to be set up correctly and the XXXX XXXX site reflected that my account was set up on autopay. When the first payment came due, I received a confirmation email stating that a payment had been made to my account through XXXX XXXX recurring autopay. Upon reviewing the online transaction history through XXXX XXXX, it also appeared as though the payment had been made. Because I previously had problems with misleading items on XXXX XXXX 's payment portal, I logged in to ensure things were ok leading up to my second payment. The page showed that my lease was overdue, but still appeared to show my previous payment being made. When I clicked the button to send a payment, I was prompted to ask if I was sure that I wanted to send a payment as my account was set up on autopay. At this point I contacted XXXX XXXXl via chat where I was informed that my autopayment wasn't working even though it appeared as though the payment was sent the previous month on the transaction history page. I received zero communication that there was an issue with autopay at the time of set up, when the first payment failed, or when I logged into my XXXX XXXX account page. Even when attempting to make a payment, I was dissuaded from doing so since my account was set up for autopay. It seems as though XXXX XXXX is blatantly deceiving consumers in an effort to collect extra fees and late payment charges. At a minimum they should be required to notify consumers that autopay has failed via multiple methods ( email, a prompt on the website when you log in ).
Company Response:
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My vehicle was repossessed on XX/XX/2019 approximately XXXX XXXX from my residence in XXXX OH, I did not receive a letter stating how much I would need to pay to retrieve the vehicle, the lender then sold the vehicle at auction and I did not receive a letter stating the sell of the vehicle. I found out by the balance lowering on my credit report which states I owe them around 12K. I have not received any communication from them at all.
Company Response:
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2019-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a vehicle in my name that ended up being charged off with Santander. Santander sold my account to a collection agency XXXX. XXXX contacted me to see if I would be willing to settle the account for {$2000.00}. I agreed and was advised that after the final payment was made that I would receive the title and that I would be able to have the charge off removed from my credit report. I paid the agreed amount and was sent the title, however, when I contacted XXXX about when my credit report would be updated they advised me to contact Santander since Santander was the original account holder. I contacted Santander via phone and they told me submit a dispute to have it updated. A dispute was sent on XX/XX/2019 and no response has been received. As of right now my credit report still has the payment status listed as in collections/charge off
Company Response:
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A