Date Received: 2019-02-16
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my finacial/banking information for additional payment. Ii is unclear to me whether or not this information of mine can be assimilated to other accounts for access to my checking account. I have made multiple inquires to XXXX XXXX to have this information removed. They stated the payment was done by a third party service, XXXX, offered by XXXX XXXX. They also stated they are unable to remove my information from their website and that only XXXX/XXXX XXXX can do so. I frankly find it difficult to believe a company can not remove information from their own website. The payment was entered on the date indicated above. It was posted to XXXX XXXX 's website immediately. The account number it was posted to is : XXXX. Account holder is XXXX XXXX. XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/XXXX XXXX is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as XXXX XXXX XXXX. There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.
Company Response:
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2019-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have a 2 party loan with XXXX XXXX. There is a deceased party on the loan since XXXX. The finance company was made aware of the issue, provided a death certificate in XXXX. The company has policies and procedures that they follow in regards to deceased borrowers. They are stating that due to the deceased borrower on the account their Customer Assistance team is not able to process a deferment on my loan. With my knowledge of working in the auto loan industry, a deferment can be processed for any borrower listed on the contract of the loan. Even when there is a deceased borrower on the account. I only have to provide them with notification of the deceased borrower which was completed in XXXX of XXXX. The vehicle is not on a single party loan and therefore I do not have to submit Fidicuary documents. On XX/XX/XXXX, I contacted the company and was denied the ability to process the extension due to the above scenario. I was advised that I would be contacted on XXXX by a manager that would ensure that the situation was resolved. No follow up happened from the company. XXXX I contacted the customer service department and information was collected, transferred to deceased handling that ensured me that I was eligible for the assistance. Transferred back to customer assistance team only to be denied of the assistance and the processing of the deferment due to the same error. I will now have my credit reporting hit for 30 days past due to unjust handling of my loan that is an error of the company. I feel that my loan is being discriminated against due to the deceased borrower and being handled with the fairness and consistency of other two party loans without a deceased borrower.
Company Response:
State: NC
Zip: 27617
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Showing late payments as you was never late and file a complaint on the credit beaus
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: In XX/XX/2018, I purchased a XXXX XXXX XXXX from van from XXXX XXXX XXXX in XXXX, Georgia. I could not get a state ID, having merely my military documents. They sat the payments back two months and charged me an awful interest rate for the first couple of payments. Then a month ago they started calling a friend 's cell phone without his permission or mine. This has taken a toll on the respect and concern from my friend who helps me get to doctor appointments and groceries and other things like that. They took away the one thing that I need. A helper! And I am legally XXXX and live in a remote area. He does not, nor I have to put up with this.. I need them to understand that the disrespect of privacy laws doesn't only hurt them legally, but it also hurts those who are victims of their failure to comply with federal mandates. I no longer need the van since I don't have a driver. they can not keep calling a third party without MY permission.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-14
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I have been trying to work with santander consumer USA for months about trying to pay off this account for months. First, this company repossessed my car after making arrangements and after coming up the the amount requested. Then they refused to tell me where the car was so i can get my things. Important documents in the car were thrown away and other items were trashed. I received a letter on XX/XX//2018, asking me to settle for the amount of XXXX. I called santander and told them when i get a tax refund i will pay them. I had traveled out of the country in XXXX and was gone for two weeks. I called them again and asked to pay off the XXXX, when i received my tax refunds, they told me I had missed the dead line and increased it to over 3000. I am not working, I am going through a hardship and barely making ends meet. I even offered to start paying a bit monthly and pay it off in a lump-some when I receive my income taxes and they refused again to work with me. Am very frustrated and tired of trying to work it out with this company. They should be penalized for how they treat consumers. Certain laws are made to protect people like me from companies like this. I have tried time and time again to work with them. They send me an offer letter and will not follow through with accepting the offer.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This Santander Consumer is reporting 90 days of being late, which is absolutely false. All payments were made on time or early as I had automatic payments. The account has been paid in full for a couple of years, but this still impacts my credit. The company needs to correct where they state I was late.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a 2019 XXXX XXXX. My monthly payments are {$520.00} a month. My car note is due the XXXX of every month. I made My first payment on Friday XX/XX/2019. My account was set up for auto pay at the time. My payment didnt post to the account until Tuesday XX/XX/2019. I had Called Santander Consumer USA to let them know I was paying a week early. If they can void or take off the auto pay so that way I didnt charged for a second time. I stressed It. They told me it would take a couple days for the payment to get posted to the account. I was Fine with that. On Monday XX/XX/XXXX I woke Up to a unauthorized transaction on my account after I just Had paid my first car note. So I was not understanding why this Charge was being made. I called them. I made Call after call because I was frustrated. I was Told that the auto pay was still on when it shouldnt have been. They wanted to see the transactions on my bank statement. I didnt have access to a fax machine and was told. I could Just email it over. Then I called Back again because the negative balance was still there. I had Explained to that what I was Told and they said they dont do email. Just fax. I was annoyed. To constantly have people tell you one thing then a complete other thing. On Tuesday XX/XX/XXXX they did a reversal. I was still upset because I had Money in my account that I was going to see on top of an over draft few that I had To pay. On Wednesday XX/XX/XXXX I woke Up to another unauthorized transaction. I had About {$86.00} in my account. Leaving me with a negative balance of {$430.00}. I was Furious. Ive had to keep calling to complain. I guess they retryed the payment for a second time. I had Again explained to them over and over again how I had Already made my first payment. How thWhy keep taking money from my account. Again they said they need me to send over a transaction I did. They told me theyd talk to their finance team. Ive called and called any chance I had to clear this unauthorized transaction. I was told they could see that I talked to someone who put in a referral or what it is called and said They had something pending on their end but I didnt. I checked my bank statement. During all this Im working with my bank and I cant do anything because I had to wait for them to retry the payment for a XXXX time. I cant close out the account. Not touch it. Ive had money taken out of my account I didnt have multiple times and Im being XXXX of over draft fees. I can complain over and over and over but I havent got anywhere. I was told I can file a complaint but I probably wont get any of my money back. When I told the representative I did not have a pending transaction she kept saying they needed to see a statement showing I did. But there was nothing. Im tired, Im exhausted I think I could understand if this was something on my end not so much. I just want to be reimbursed and the money they took from me. I have a list of all the transactions and everything else.
Company Response:
State: NH
Zip: 03103
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SANTANDER with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Company Response:
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: When I bought the car from the dealer, they gave me {$2000.00} for a trade-in. And, I sign the title over to them. But, the terms of the loan were such that they gave me an interest rate as if I had put down {$0.00}. But, I did not put down {$0.00}, I put down {$2000.00} based on the trade-in. I only noticed this as I was going over the terms of the loan extremely carefully. But, by that time it was already signed.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Santander is showing multiple entries on my credit report that I did not authorized. I do not have any financing or credit from this company and these inquires are erroneous. I have tried calling to speak with the finance manager, but I always get the voicemail. I did not authorize these inquires and they are fraudulent. PER FCRA section 609 these inquires must be removed. Inquiry date : SANTANDER CONSUMER USA XX/XX/2018
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A