Date Received: 2019-03-04
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: OnXX/XX/2019I called the lender to inquire about a miscellaneous charge for {$21.00} on my XX/XX/2019 statement. The due date is on the XXXX. I pay extra towards principal every month. The company does not offer a grace period. Payments not received on the XXXX are assessed a late fee that approximates the fee in question. I made 2 payments that were reported on the statement in question. First payment for {$250.00} was received by the lender on XX/XX/2019. Second payment for {$240.00} posted on XX/XX/2019. On XX/XX/2019 there is a miscellaneous charge that the lender could not justify. Said they will request an audit and it will take 4 business days. I am current on my bill and have been for the majority of the time that I've had this account. My payment is {$420.00} and I pay at least {$500.00} per month. This company is a predator and were I not diligent about reviewing my bills, they would have gotten away with assessing this charge against a customer who pays as agreed.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-04
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: In XX/XX/2015 I leased a XXXX XXXX ( three-year lease ) and received financing from XXXX XXXX I set up automatic payment for all payments. Recently, they are claiming that I have one remaining payment. I asked them numerous times to send me via US Mail or email a copy of the statement -- especially as there are other charges ( disposition fee, and wear-and-tear ). They told me they would send via certified mail the statement, but I have not received anything yet. In the meantime they are harassing me with unlimited telephone calls demanding that I pay. I believe I have a right to a paper or PDF copy first.
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2019-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-02
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Went online to get the loan and told us we could only get a vehicle at XXXX XXXX. Then we picked out a car and his parents asked them if it was XXXX financing. They lied and said it was, then we picked out a XXXX XXXX. The next day we got a ride and they gave us a different vehicle and it was very clear that the paper work had been done over where we signed to read something completely different and our ride had already left so we had to drive the vehicle back home. The first day home we filed with the Attorney general 's office. We were told by them not to pay the payments so we would not validate the loan. THEN I FOUND OUT THAT SANTANDER HAD BEEN ILLEGITIMATE, and had filed bankruptcy. We Never used the vehicle as it was not the one we purchased and we will not pay for it. THEY PULLED A Bait and switch and its illegal. The vehicle was returned to XXXX XXXX.
Company Response:
State: AR
Zip: 72143
Submitted Via: Web
Date Sent: 2019-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/XXXX, I opened a auto loan with Santander Consumer. In XXXX, XXXX I called Santander telling them I would be out of the Country and would be making a " double '' payment. This result was a 30 day late for XXXX, XXXX. I called Santander and they are very hard nosed and would not remove it. In XXXX, XXXX ... I filed a complaint with XXXX over this 30 day late payment. I received a call from a Santander representative a week later saying ... watch this. On XX/XX/XXXX I opened my credit report to a 80 point drop, and a 30 day late payment reflected for XXXX, XXXX and a 30 day late for XX/XX/XXXX. I called Santander and they refused to remove it. The Specialist stated, thats what you get for disputing with us. Those late payments were a result of a " returned '' payment. Santander took 24 days to take those funds from my bank. At which point I had changed banks, and resent the payment via credit card, BEFORE the bank returned the payments. Santandars response was .... '' its still late ''. My statements show I was not late, assessed no late fees, ect.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I financed a XXXX XXXX XXXX from XXXX through XXXXr XXXX XXXX in XXXX of XXXX with {$3600.00} down and a rate of 26 %. A salesman named XXXX XXXX from XXXX informed me that nothing was wrong with the vehicle when I test drove it. He was not honest with me as months later I later discovered that the vehicle instrument cluster was defective. The vehicle was transferred down to Miami and a salesman named XXXX XXXX collected my down payment and again assured me that the vehicle had no problems or issues. The XXXX report he provided me did not show the instrument cluster repair. I decided to purchase the car. In XXXX of XXXX, I was a victim of financial fraud of {$1000.00} by a lady named XXXX XXXX from PA XXXX case XXXX, XXXX PA XXXX and couldn't afford to make payment then. I informed Santander of this. I made XXXX more payment in late XXXX and in XXXX, Santander gave me a XXXX month extension due to financial hardship and a loss of a family member. In XXXX, I also cancelled the XXXX warranty of {$2800.00} and was refunded this amount by XXXX back to Santander. Since then, I have not made any payments because I discovered that the vehicle instrument cluster was replaced 5 years ago. I complained about this to both XXXX and Santander and neither business tried to resolve the issue. I was also struggling to get permanent employment and I was concerned about the high interest rate of 26 %. I asked for Santander to lower the rate and my request was denied. Without an explanation of the 26 % rate, Santander has forced me to accept that the rate is reasonable for my credit and income level. In addition : - Santander never justified the reason for my 26 % rate, the highest in the country - Santander never applied ANY portion of any of my payments ( {$4500.00} total ) towards interest or principal. - Santander varied the final payout balance numerous times from {$17000.00} to {$19000.00} to {$16000.00} to {$18000.00} in only a 7 month period. - Santander never showed on my account page how much interest is being accrued daily, weekly, or monthly and how much has been paid. - Neither Santander nor XXXX offered to replace my car with its defective instrument cluster for a different vehicle. - Numerous complaints filed against XXXX by me regarding the defective instrument cluster were ignored by the BBB. - I posted a complaint on XXXX against XXXX regarding the replaced instrument cluster and the complaint was removed by XXXX in XXXX. Santander promised me that they'll give me until Friday, XX/XX/XXXX to make a payment and they will not repo the vehicle. I told them that I will make payment that day because that's when I'll receive my first paycheck from my new job. Santander agreed and gave me the extension. On Saturday, XX/XX/XXXX, my vehicle was picked up from a parking lot while I was siting inside a XXXX. Santander completely disregarded our prior agreement and repossessed the vehicle, leaving me stranded in XXXX, Fl, more than XXXX miles from my home without a way for me to get back to work. After calling the police on XX/XX/XXXX who notified me that the vehicle was indeed a repo, I was stuck at the XXXX after hours sitting at a table outside with my wallet and other personal property inside the car. I did not know anyone in the area and I had to walk to a nearby XXXX to spend the night there. I called Santander again on Monday, XXXX XXXX requesting to return the vehicle to me due to the fact they violated our agreement and the refused, instead demanding I cough up {$2700.00}.
Company Response:
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-01
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I leased a XXXX XXXX XXXX from XXXX XXXX XXXX. I purchased XXXX extra miles up front so I wouldn't go over mileage. My total mileage allowance was XXXX for the lease. I turned in the lease with approximately XXXX. I assumed like other car manufactures that they would send me a check for unused miles after turn in date was XX/XX/XXXX. I called them approximately mid XXXX to check on the status of the refund. However, I was told they don't refund unused pursed miles. I had to get them to clarify this with upper manager that they owe me a refund. They came back to inform me at the end of XX/XX/XXXX days they would send the refund. My concern is how many other customers are being cheated or abused like I have on something paid for but haven't use. Thanks for your time. Please contact me if needed.
Company Response:
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Background info - I purchased a car from the local XXXX dealership in XXXX of 2018. The loan is through XXXX XXXX The Issue - I have made a couple of late payments and late fees were assessed. I made payments to cover the late payments and late fees. Well, I was looking at my loan account when I went to make the most recent payment and noticed all of these fees, {$130.00}. Before contacting the lender, I looked through all of my payments to make sure that the error was not on my end. According to my calculations, for the eleven months that I have paid the car note, it adds up to {$6000.00} plus an additional {$130.00} in the late fees. To date, I have paid {$6200.00} which was supposed to cover my car note and the accrued late fees. I called the finance company to ask why am I seeing {$130.00} in outstanding fees considering when I made payments according to the bills received, the late fees were apart of the monies paid. According to the agent, despite the fees showing on the bill and me sending in the payments were never applied to the late fees so the late fees are outstanding and past due. He stated that I would have had to have called and asked that the funds be applied to the late fees. According to the representative, the extra money was paid to the interest and not even towards the principal. I have just been shafted out of my money.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I currently am experiencing issues with my car loan.I went to buy my car back in XX/XX/XXXX. I needed a car for a job I had just got hired for so I went to a local dealership ( XXXX XXXX XXXX ) in XXXX, Ohio to see what my options were. This was a two day process. The first day XX/XX/XXXX I went to process paperwork to see what bank would offer me financing.The dealership told me my options which were just two vehicles a blue XXXX XXXX or white XXXX XXXX both used and they asked to put a {$500.00} down payment for the vehicle I was approved for. The bank that approved me was Santander Consumer USA. Out of the two vehicles I chose the XXXX XXXX XXXX. I didnt get to test drive this vehicle or inspect it before purchasing it at XXXX XXXX. Since XX/XX/XXXX I have paid close to almost {$15000.00} in interest towards my car loan with only {$640.00} towards my principal. I believe Santander Consumer USA is charging me too high of an interest rate. The interest rate I was told I am paying is at 23.17 % with an extra daily interest rate of {$7.00} when my states limit of Ohio is 8 %. I will never be able to pay off my car loan at the rate set.I have been working with the company to try to figure out why my payments never seem to go down but actually increase every month. This has caused me a large disadvantage and I need help to resolve this issue.
Company Response:
State: OH
Zip: 44087
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I've been avidly paying {$420.00} for a car since XX/XX/2015, I believe to have already paid it off but somehow it says the car is still worth almost over XXXX. No one will trade my car in because I owe to much and it's not worth even XXXX anymore. I went to another auto dealer to see if I could get some help refinancing, and they advised I was paying 21 % in the beginning which is what i was not signed up for. Please help!
Company Response:
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I keep getting phone calls from a debt collector looking for my ex-wife. Her name is not associated with my cell phone number and they should not be calling me about her debts. I blocked the phone number the debt collector called from and now they call me using an unknown number so the phone call will still go through, leaving harassing messages.
Company Response:
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A