Date Received: 2019-01-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This car belonged to my daughter and never had anything to do with it. I didn't know the bank how much her monthly payments, she was late twice and she missed XX/XX/XXXX, XX/XX/XXXX and day before XXXX she was taking her children out & they ran back in and told her they did not see the car. She had groceries in their and of course after learning where car was to get her things food was bad. My problem is I am also on that loan, although I thought my daughter had removed me. I was never contacted by Santander Consumer USA and it was in me trying to refinance my home, I learn all the particulars to this car. From my mortgage banker with XXXX XXXX and XXXX XXXX I learned the acct # and the phone number for Santander and I also learned that they had reported this on my perfect credit report and caused my score to drop 100 points yet no one contacted me about anything and when I tried to contact them I learned in a weeks time, after holding on the phone for an hour or more and telling the story over and over again on all the transfers that kept being done, and then finally getting so they claim the right dept., then being asked to hold a min. I held on for 15 or more mins. each time for the phone to be disconnected on me! I realized no one was going to talk to me. I am a XXXX widow of a VET who died from war and on a fixed income, and whether I was or not to be treated like this. Put this mess on my credit report but no contact me and I am on the loan or talk to me. Finally got my daughter to try and call after no one would talk to her because they said XXXX she did not have a job. I have learned thru my lawyer they had no right to say that. All they should have been concerned about was getting the 2 months owed and that was her right, if they were reputable which I now know they are not. No one would talk to me but my daughter got thru on XX/XX/XXXX and called me back in 5 mins. She said they said she needed to move fast because car was on the block and they would only except full payment. In between my JAG lawyer on XXXX XXXX, VA and my mortgage banker I finally got someone to talk to me yesterday, XX/XX/XXXX, and as nasty as she was to me, she tells me that the XXXX XXXX XXXX was sold for {$3400.00}. How is that possible when on XX/XX/XXXX my daughter told it was still for sale. I believe that it probably was auctioned on XX/XX/XXXX because my friend tells me that is when car auctions are held on Saturdays and so I now believe reason I could not even get anyone to speak to me. I would like my credit back the way it was and Santander denied me any remedy because they never contacted me of anything. Thank you!
Company Response:
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response:
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I got a car loan through Santander Bank In XX/XX/XXXX, the car dealer / salesman had committed fraud when he got me the loan through Santander. In order to get my loan approved he lied on the application about the miles on the vehicle. 1 month after I bought the vehicle the motor stopped working and I tried to have it fixed using the warranty I purchased through the dealership and the Warranty company said my warranty wasnt valid because of the mileage discrepancy. So I returned the vehicle and the bank took possession of it In XX/XX/XXXX and it became a closed account / charge off. Its been on my credit reports for 7 years and 4 months as of today. It was marked to come off of my credit report in XX/XX/XXXX but now Santander has starting reporting the account as open again in an attempt to keep it on my credit file. Ive disputed this action with the credit bureaus and Ive disputed it with Santander. Ive contacted Santander and they refused to re close the account and could not give me a reason as to why they re opened it within 4 months of it falling off of my Credit File. It should be removed immediately and Im pleading for your help in assisting me with this.
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/18 Santander Consumer reporter my auto loan past due 90 days. It has cause issue with my credit report my credit score has fallen 50 points for this error.
Company Response:
State: LA
Zip: 71203
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I finance a vehicle from Santander consumer USA back in XX/XX/XXXX. The vehicle cost {$17000.00}, I put down {$1000.00} balance left was {$16000.00} my payment every month is {$460.00} which I paid every month. My loan mature in XX/XX/XXXX. I went into their web site the other day to check payments, they have me owing {$11000.00} how in the world is this if my loan matures in XX/XX/XXXX. I've been paying every month ever since, I called the Company no one seems to know anything, I've also reported this to the XXXX no one has ever called me to discuss this issue. When I look at all the payments something is Definitely wrong all my money I've paid has gone to interest this is crazy. I need someone to fix this problem I have all my paperwork with me. Or I can hire an Attorney to take care of this problem. They can take the Truck back call it even because this is crazy. I can scan all paperwork I have all documents, also they have me owing late fees of {$1200.00} which is incorrect they better clear this up. Please take care of this. Thank you, XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: There are missing payments on my loan lost by Santander Consumer USA. They are impossible to get help even though I have sent proof of payments
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2019-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX, I wrecked my vehicle. On XX/XX/XXXX2018 two checks were sent out to pay towards my car loan by XXXX. The payment was in the amount of XXXX on my XXXX loan. XXXX has been wonderful however, the lean holder Santander Consumer USA has stated they have yet to receive either checks from the insurance company. A month passes by and Santander has not contacted me and has charged me a late fee. I have proof that the insurance company has paid out however I believe that the company does not want to cash out the check in order to continue to accumulate interest as well as late fees. I then contacted my insurance company and informed them of this so XXXX contacts Santander Consumer USA and the lean holder requested that the insurance company resend the funds.This included the account number as well as the date. XXXX then sends the funds yet again in the amount of XXXX on XX/XX/XXXX. Still They have not reached to me and on the insurance company 's end the case had been closed. ( meaning the the lean holder has collected the check ) They have yet to allocate the check towards the principle balance. At this point im collecting interest, receiving late fees, and not getting a clear answer from the Santander. I have also called several times asking to speak with a manager or the department that handles the negotiations of loans however the reps tell me that I am not permitted to speak with that department. When speaking to a manager the manager refused to read the contract to me and also disconnected the call. At this point I feel that this is consumer abuse and that I need to place any additonal charges to a halt. Please Help!!
Company Response:
State: TX
Zip: 78238
Submitted Via: Web
Date Sent: 2019-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-13
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: SANTANDER financed me with a predatory loan. I financed {$26000.00} in 2016 for a vehicle. I have paid {$750.00} a month for 3 years ( {$27000.00} ) and the balance I owe to date is {$28000.00}. Nothing I paid has gone to the balance of the loan. Account number XXXX.
Company Response:
State: MD
Zip: 20603
Submitted Via: Web
Date Sent: 2019-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The laws of the state of Pennsylvania clearly states that when a repossession takes place, that there must be at least two auctions completed before there is an upset price pertaining to collection purposes. However, in fiscal year 2017, being that my family runs a XXXX business, we suddenly faced several financial issues that caused this repossession. Accordingly, I am requesting a reasonable settlement to this collection. The vehicle loan was for a high interest rate, and the payment was very high. I would appreciate an offer in compromise either through my email or direct mail, and Ill do my best to make that payment to benefit all parties.
Company Response:
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2019-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A