Date Received: 2019-03-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: Recently, I purchased used car from XXXX XXXX in XXXX, TX.I went in originally wanting to purchase a used XXXX XXXX XXXX. However, they had already sold the car prior to my knowledge before I arrived at the dealership. So I ended up purchasing a XXXX XXXX for the XXXX. I was not aware until after I signed the documents and had a lawyer go over them that I was basically robbed blind. What this company did to me was illegal and unethical. They are charging me {$12000.00} to finance this car. Take note, I put down {$4000.00} on the car. So in total I'll be paying almost half of what the car is worth ( {$26000.00} ) after the 72 months is over. I feel completely robbed and felt that I was an easy target. I'm not sure what I can do to resolve this matter but something needs to be done.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2019-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: SANTANDER CONSUMER USA is reporting a negative remark on my credit report for a vehicle that was voluntarily surrendered and closed account for the amount of {$20000.00}. The account was opened XX/XX/XXXX and closed XX/XX/XXXX - but the last payment was made on XX/XX/XXXX. The dates are completely mixed up as well. The reason for the request to the lender to pick the car up was because of a broken promise on the dealership and lenders end. It was agreed upon at the time of purchase that any issues concerning the mechanics of the vehicle would be fixed and addressed by the dealership and almost after 1+ years the the issues were still never fixed.
Company Response:
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2019-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have repeatedly signed up for electronic billing statements and notifications through the website santanderconsumerusa.com. At one time I received them and then it stopped. The last statement I received was XX/XX/2018. At this time I am uncertain as to whether this is sloppy record keeping on their part, deficient technology, or a policy of provoking late fees. There is also no electronic confirmation of payment, which is a standard feature of all websites which accept electronic payments. Today I submitted an electronic payment, and as usual, I am uncertain as to whether it went through. Checking my account statement page, there is no indication a payment has been applied. I attempted to use the contact form on the website. Upon submission I saw a splash effect indicating that something was processing but there was no indication the form was submitted, such as a confirmation page. I repeated this several times. The only method to get out of the form was to cancel. I work for a company that conducts usability research - testing websites to see how well they work - so I am familiar with the expected functionality of such forms. This is not typical. I am submitting this complaint as I am unable to contact the company through the means they provided.
Company Response:
State: CA
Zip: 95124
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-16
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 numerous of phone calls regarding the reporting of my credit the last time they reported something to the credit bureaus was XX/XX/XXXX and we are now in XX/XX/XXXX.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2019-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: On XX/XX/2019 ; I made a payment online to Santander Consumer, USA ; My CAR loan finance company ; I choose to make a payment of {$100.00} towards the principal ; They will not apply my payment, and want to it to apply to interest. When I called to confirm my payment was applied towards the principal loan balance ; Santander refused to apply my payment to the principal ; even when my payment is not due till XX/XX/2019 ; They are very unethical and pricing gouging customers. This Company charges me 26 % and has applied less than 10 % towards the principal and has priced gouged the interest rate and have taken advantage of charging 26 % interest rate. This is unethical business practices, and they fraudulent represents themselves ; indicating interest is due daily and due daily is NOT what my contract indicates ; I am charged monthly ; denying my right to make a payment towards the principal balance of this CAR LOAN is breach of contract, and misleading representation.
Company Response:
State: CA
Zip: 93004
Submitted Via: Web
Date Sent: 2019-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I WAS GOING THROUGH A ROUGH SITUATION AND COULDN'T PAY MY CAR AFTER A FEW MONTHS THEY REPOSSESSED MY CAR I NEVER RECEIVED PROPER LETTERS IN REGARDS TO SELL OR ANYTHING UNTIL I CALLED THAT THEY EMAILED ME WAY AFTER ABOUT IT. MY PROBLEM IS I TOOK RESPONSIBILITY AND CALLED THEM TO PAY IT THEY SAID THEY HAD SENT IT TO A COLLECTION ACCOUNT THAT WORKS FOR THEM I CALL THEM THEY DID A SETTLEMENT OFFER AND SENT ME A LETTER I HAVE NOW PAID THE ACCOUNT AND COMPLIED WITH THEIR DEMAND AND NOW THEY HAVE NOT YET DELETED MY ACCOUNT LIKE IT WAS PROMISED ENCLOSED IS THE LETTER RECEIVED.
Company Response:
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I opened a car loan with Santander Consumer USA in XX/XX/XXXX and was voluntarily repossessed in XX/XX/XXXX, since then they have charged off the account but is still adding interest and fees to the account as well as reporting and updating my Credit Bureau each month
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: In XXXX of 2016, santader auto called my mother-in-law and my brother about the alleged debt. They told them they were looking for me for this alleged debt and told them I would be arrested if I did not pay. They have also called me hundreds of times and this is a violation of my federal rights.
Company Response:
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX I entered in a loan agreement with Santander Consumer USA for a vehicle purchase loan. At the time of the loan I made a {$1500.00} down payment which was not applied to the loan. The dealerships explanation for this was that they have a ongoing partnership with Santander, and they will accept any altered financial documents to get a loan approved with no questions asked. They stated I wouldn't be able to get the car I wanted without some " magic '' on the backend. I really didn't understand what they meant, but I was glad to get the car I wanted. I made regular payments on my loan consistentley for the entirety of the loan with a few missed payments near the end of the loan due to a financial hardship. When I spoke with a representative in XX/XX/XXXX before the hardship arose, and nearing my loan maturity date, the representative on their recorded line stated that my last payment would be in XX/XX/XXXX and I would receive my title. After a few missed payments, I was informed in XX/XX/XXXX that I owed XXXX on the loan due to " interest '' and " late fees '' that are accumulating at {$3.00} per day. The rep told me I would need to modify the loan for an additional 24 months to pay the balance off. I asked for payment records since the loan was financed, and reviewed my credit report in regards to payment history, and there is no way I can come up with a balance due in excess of over {$5000.00} dollars. This compay is a predatory sub-prime lender preying on people with less than perfect credit. Their fees and overcharges are very shady and resembles the practices of a loan shark with a business license. Also, there is XXXX transparency in regards to fees and interest, and I have yet to receive a clear explanation in regards to why my loan balance ballooned in 3 months.
Company Response:
State: MI
Zip: 48212
Submitted Via: Web
Date Sent: 2019-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A