Date Received: 2019-02-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I submitted a complaint with the XXXX XXXX XXXX on XX/XX/XXXX about a charged-off account that I was a joint owner on with Santander Consumer USA , Inc. The company responded on XX/XX/XXXX with a response and submitted documents that were sent out to inform of the defaulted loan in the amount of {$670.00} according to the document and the sale of the auto on XX/XX/XXXX. I was never informed of the default of the loan or sale of the vehicle at auction in writing. The documents Santander submitted all show an address that I have not resided at since XX/XX/XXXX. The documents also show that they were addressed to both owners instead of separately, which if done so the documents would have been forwarded to my address at that time and they were not. I lived at the address in XXXX, FL for 2 years ( XX/XX/XXXX-XX/XX/XXXX ) and did not receive any documents of delinquency. I discovered the charge-off of {$11000.00} by checking my credit report. The joint owner on the account recently passed away due to long standing health complications ( physical/mental ) from the military on XX/XX/XXXX. Still til this day of XX/XX/XXXX, I have not received one physical document in the mail from Santander about this account and my current mailing address is listed on the documents they submitted to the Better Business Bureau. This debt has caused me tremendous problems when it comes to obtaining credit elsewhere and also when looking for a home whether renting or qualifying for a mortgage, which have ended in denials.
Company Response:
State: FL
Zip: 33810
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I purchased a vehicle from Sandtander, the vehicle was repossessed they said they sent a delinquency letter to me within 10 days which in s the law in Georgia. They did not send a letter I submitted it to the credit bureaus they have not fully investigated the problem. There is no bill of sale where they say they sold the vehicle for {$1500.00}. They sold my account to a collection agency without my knowledge. I have a $ XXXX debt with Sandtander and they can't provide me with a copy of a bill of sale that I have requested to show proof that the car was sold for the amount they are telling me it was sold for.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2019-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: My car loan is through Santander Consumer USA and was legitimately repossessed in XXXX of XXXX due to me having fallen 3 months behind on my payments. When I called ( after the repossession ) to verify the necessary reinstallment amount to reclaim my vehicle and bring my account current, I was informed that the amount necessary to reinstate was {$1200.00}, but when I requested email or mail documentation from Santander to review the explanation of specific fees and charges that brought my balance to XXXX, I was informed by the customer service agent that Santander would not and had no obligation to provide such documentation in the case of repossession. I did not question the denial of my request any further, but do take issue with this business practice and would like to find out if, in fact, a lending institution is lawfully allowed to refuse such a request. On XX/XX/XXXX I made payment by phone of {$1200.00} ( which included my XX/XX/XXXX monthly payment of {$240.00} ) to reinstate my loan and bring my account completely current and to a {$0.00} balance. When I went to view my account on XX/XX/XXXX, I was shocked to view that even though I hadn't yet made my XX/XX/XXXX payment, my stated balance was {$940.00}. When I clicked on " statement history '' on my account page, there was absolutely no explanation of what the additional {$700.00} was that I was being billed for. I called Santander immediately to resolve the issue and connected to a customer service representative who could not in any way give me a satisfactory reason for the {$700.00} charge. Her only explanation when I presented the fact that the {$1200.00} consisted of the three missed car payments totalling {$730.00} and the additional 3 months of late fees of {$12.00}, totalling {$770.00}, which left a remainder of {$430.00} charged to me for repossession fees, storage, transportation and auction fees, all having been paid on XXXX XXXX, and brought my account current, she put me on hold for almost 15 minutes with no explanation. I then demanded to speak to her supervisor and put on hold for another 9 minutes until a customer service supervisor, named XXXX came on the line, and I had to detail the issue all over again. XXXX and I reviewed the account with what minimal information was available to him, and he agreed that the balance due was inaccurate and there were duplicate charges assessed to me. He could also not inform me as to the specific breakdown of the charges and fees showing currently or the charges and fees that the {$1200.00} comprised of. As a result, he told me the only recourse was for him to submit a request ( confirmation # XXXX ) for further details and account balance correction to another department and I would be contacted no later than by Thursday, XX/XX/XXXX with a resolution to the issue. I emailed and called Santander several times after no one contacted me by the promised date, with no response whatsoever and was told no information was available to the customer service representatives I spoke to as well. When I called back this morning ( XX/XX/XXXX ), I was connected to an extremely hostile agent who could not intelligibly communicate or tell me what the result of the account review that XXXX had requested 10 days previous was. She persistently interrupted and talked over me, so that after 38 minutes on the phone with her, in frustration, I decided to disconnect and call back in chances that I would speak with a better informed and gracious representative. When I called back, I was put in touch with an agent named XXXX. Once again, I had to detail the billing issue and my dispute. After reviewing my account at length, XXXX concurred that the account balance was erroneous by his calculations and information accessible to him. He assured me that he would forward an additional request for account correction ( confirmation # XXXX ), and the issue will be resolved in 48 hours, which based on previous personal experience, is unlikely. If left unquestioned, a total of {$1100.00} will have been added to my account for miscellaneous items by Santander Consumer USA. Please assist me in preventing consumer XXXX and unprinciped practices employed by this company. Thank you, XXXX XXXX
Company Response:
State: NY
Zip: 14216
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX My credit was pulled and I did not authorize your company to pull my credit. I didnt sign a credit application with your company and i would like the inquiry remove. I did not authorize the crooked people at XXXX to use other companies
Company Response:
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2019-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I bought a XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX in XXXX, Georgia. The car sold for approximately 18,000 and with tag, title, and warranty approximately 21,000. The first issue is I didnt realize I did not my need a warranty. XXXX comes with a 60,000 bumper to bumper and 100,000 powertrain. The car had XXXX miles on it when I bought it. In the 6 years I have had the car I had to skip payments maybe 4- 6 months total. Santander worked with me during those month. However, I made payments of over my payment amount to compensate. I am a XXXX XXXX XXXX XXXX and XXXX who XXXX and XXXX XXXX through the year. However, in the summer months I do not make much money. That is why I pay extra throughout the year. My car payments are {$550.00} and I have paid as much as {$1000.00} toward my payments and they are still saying I owe {$9000.00} after my 6 years. This year I will have owned my car for 7 years and my car will still not be paid off. They take so much money for fees and charges and do not explain what the fees or charges are. I was told I started payments later than what I supposed to initially. I paid when they told me to pay. I feel like I was taken advantage of by the dealer and the loan company. I have never had a 30 day mark on my credit. My credit is not excellent but it is not terrible. I helped my husband finance a car in XX/XX/XXXX. The second car I financed 2 years later will be paid off before my XXXX XXXX with Santander. This loan has been a nightmare and there is no way I would have ever financed through them if I knew this was going to take 10 years and {$75000.00} for an {$18000.00} car.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Last XX/XX/XXXX I submitted a complaint : XXXX I was unsuccessful in my disputes with the credit bureaus to update my account with the payments I was making to the account. In XX/XX/XXXX, I contacted the company to accept their offer to settle the account and update my credit report. On XX/XX/XXXX I sent the following letter to Santander Consumer USA. I recently obtained a copy of my credit report from your agency and found the following items to be in error : Condition : Derogatory Status : Collection/ Charge off Remarks : Charged off as bad debt / Profit and Loss write-off Balance : {$1100.00} Please be advised that on XX/XX/XXXX, Santander Consumer USA extended an offer to waive the remaining balance on the account and report the account as Paid/Closed, was a Charge Off. I declined the offer at the time. My goal was to make the regular installment payments to pay off the full balance and have those payments reported on my credit report. The offer stated that if I wanted to accept the offer I could call at any time. I did contact Santander in XX/XX/XXXX to inquire about this. After some time they did find the offer and stated your company would follow through with the original offer from XX/XX/XXXX. However, I received a Settled in Full agreement letter which was not the agreement we had. Settled in Full is different than Paid/Closed as was agreed in the offer. I request that the following changes be updated to all reported credit bureaus : Condition : Closed Status : Paid Remarks : Was a charge off Balance : {$0.00} As of today I was notified by XXXX of an update on my credit report. However, again, Santander did not follow through with what they had promised. The account condition is listed as 'derogatory ' instead of 'closed '. The status lists 'Collection / Charge-Off ', balance : '0 ' ( correct ) and the remarks were updated to : 'Payment after charge off/collection|Paid profit and loss ' instead of 'Was a charge off ' as they had promised in their response to the original complaint.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had contacted Santander Consumer USA XXXX XX/XX/XXXX to let them know that due to the Federal Government shutdown I would not be able to make make XX/XX/XXXX payment until XX/XX/XXXX and that I would make my XXXX and XXXX payment together. I was told that would be fine and that it would not be reported as late on my credit report due to the situation. However, on XX/XX/XXXX, it was reported 30 days late on my credit reports even though I paid both months as promised. I called customer service and they told me to send a dispute to their XXXX address and I did. I also reached out to them on XXXX XXXX. I was very pleased with the quick response I recieved from XXXX. I talked to a representative on XX/XX/XXXX and she stated that she could not find any conversation I had with them. That since my XX/XX/XXXX payment was 2 days late it was reported accurate and they would not fix the late payment. I explained to her that my mortgage company and credit card company worked with me due to the Federal Government shutdown and she said they were not participating in not reporting to the credit bureaus like other companies were. So, today I pulled my report and it shows that they closed my account on my credit file and the close date says XXXX, when I opened this in XXXX. This is very upsetting because I commuicated and I have never been one day late in paying them, except this one time and it has destroyed my credit score due to this. Any help would be greatly appreciated. I would like to add that all of the people have been very nice, they just can't help me. Acct # XXXX
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: On XX/XX/2019 went to XXXX XXXX to trade and buy a vechile.Dearship pulled credit report up, nothing reported on the payments to SANTANDER CONSUMER USA on Car payment for the last 16 months for ME and my wife.So I called the Fianance co.Have to summit a report to there dispute dept, which could take up too 30 or 60 days to get resolved.So appreciate if could get the issue resolved soon YOURS TRULY XXXX XXXX XXXX
Company Response:
State: OK
Zip: 734XX
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-22
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I have tried to reach out to Santander Consumer many times regarding their willful negligence in violation with FDCPA AND FCRA and the loan they have failed to respond in compliance with the Fair Credit Reporting act and the FDCPA. The laws of the state of California and UCC 9.601- 9.607, 9.609 9.611-613, 9.615, 9.623, 9.627 ( b ) along with California Motor Vehicle Installment Sales Agreements and Retail Installment Sales Agreements clearly state that a deficiency balance can not be claimed if the required notices were not properly and timely given. I must be permitted a certain time to cure and or redeem which is not available if the proper notices are not submitted. Satander Consumer USA never provided copies of the legal notices sent to me along with proof that the resale of the vehicle was completed in a commercially reasonable manner as required by law, in addition to a detailed and itemized calculation of the balance they claimed was due. Also, in accordance with the California Department of Revenue Repossession Title Requirements I NEVER received : 1. Copies of the written notice SANTANDER CONSUMER provided to all lienholders by first class mail of the intent to file for a repo title and 2. A copy of CALIFORNIA form 5005 ( Application for California Repossession Title ) 3. A validated copy of the Notice of Lien receipt, or a copy of the actual title reflecting the lien-holder. The State of California requires the items listed above to obtain a repossession title enabling sale of the vehicle and I did not receive this from Santander Consumer USA.
Company Response:
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2019-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-21
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2019-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A