Date Received: 2019-01-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Purchased vehicle XXXX a XXXX XXXX XXXX at XXXX have paid on time ever missed a payment and still owe XXXX to this date. Called for payoff told it has all bee. Going to interest and not one cent to principle. I was told this was a 5 year loan and now have been told it will be extended to XXXX. After so many principle payments. Vehicle is upside down XXXX only worth XXXX can not trade with out XXXX and no bank will refinance. Please help me. I am a single mother.
Company Response:
State: AL
Zip: 36609
Submitted Via: Web
Date Sent: 2019-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: The purpose of this letter is to document my effort to negotiate with your company prior to suing you in small claims court for wrongful repossession of my automobile on XX/XX/2018. I request immediate refund of {$790.00} in lost wages and expenses directly resulting from your mistake. Should I not receive a definitive response from Santander within thirty days awarding me this amount in full, I will file the attached petition with my local clerk of courts and commence small claims litigation against Santander. Please understand that I do not haveand have never hadany contractual relationship of any kind with your company. I am therefore not bound to any pre-litigation mediation or arbitration, nor to any litigation venue outside that in which the wrongful repossession took place. To summarize, Santander ordered the unannounced repossession of my vehicle even though ( 1 ) the car had clear, unencumbered title, and ( 2 ) Santander has no lienholder relationship regarding this vehicle with either me or the individual from whom I purchased the vehicle. Santander has admitted fault in wrongfully repossessing my vehicle without notice in the attached letter to my legal counsel dated XX/XX/2018. In this letter, you claim that Santander issued a Multi State Vehicle ( MSV ) Release on XX/XX/2018which is somehow the same day you had my vehicle wrongfully repossessed. Give the difficulty I have experienced in the past several weeks in getting my vehicle back, this claim is nonsensical and likely untrue. This probable lack of veracity in your explanation is illustrated by the fact that Santander utterly refused to speak with me multiple times well after the repossession ( and after the MSV Release was allegedly sent out ) because my name wasnt on the account. The company who repossessed the vehicle also refused to speak with me for the very same reason. This is in spite of the fact that I approached them with a copy of the vehicles title, which lists me as the owner. Am I truly to believe that Santander realized its mistake internally on the day of repossession and immediately sent out the MSV Release to correct its mistake, even though neither Santander nor the repossessing company would even speak with me for over three weeks afterwards? It took weeks of personal costs, lost wages, and a hired and paid-for attorney for Santander to even respond to someone about my situation. I hope you will agree with me that the most likely explanation for this is that Santander never issue the MSV Release until my legal counsel contacted you long after the repossession occurred. I am a refugee from XXXX who fled communism two years ago so that my family and I could build a better life in the United States. My husband and I both work full-time and receive no public assistance of any kind, in spite of the fact that we arrived to America with just the clothes on our backs and with no knowledge of English. We have made our life here dollar by dollar. I suspect that this matters little to you, but as someone still trying to understand a society and language different from that to which I am accustomed, this experience has been nothing short of traumatic. Your companys error has made my familys life a living nightmare for the last several weeks. I am not asking for any more than the direct expenses that I incurred because of your companys error, refusal to speak to me for three weeks, and subsequent failure to correct your mistake. I respectfully ask that you resolve this matter by refunding me my costs so that I do not have to sue Santander in court.
Company Response:
State: KY
Zip: 40220
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased the car in XXXX at a purchase price of less than $ 10K. Santander repossessed the car in XXXX and reported to the credit bureaus that I owe a balance of more than $ 10K. The car was auctioned off in XXXX. There is no way that I owe over $ 10K on a car that I had for 5 years and the purchase price was under $ 10K. Santander needs to provide the signed loan documentation with the purchase and interest agreement. The balance reported to the credit bureaus is inflated. The documentation provided to the Consumer Financial Protection Bureau is a computer print out and does not prove the amount owed coincides with the loan documents I signed. Santander also sent email payment confirmations to my email address that was a link to their site but I am unable to access payment receipts because my access to the account was removed.
Company Response:
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I voluntarily gave a vehicle back to santander consumer USA inc. on XX/XX/2016. Ever since then they call every week even though they will not accept a settlement amount. I have asked for documentation of where the car was sold to confirm the remaining balance, and they have refused to send that to me. I need documentation for my records to ensure that the amount remaining is in fact the correct amount. I have tried to work out payments, but they want a ridiculous amount that is over the amount we tried to settle for in the past. This situation is hindering me financially. I made the decision to send the car back, due to the interest it was collecting and not being able to ever pay the car balance down any in the 3 years I had the car.
Company Response:
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2018-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: i purchased a XXXX XXXX XXXX from XXXX XXXX and got the vehicle financed through santander corporation. all through the duration of my auto loan i was assessed all sorts of fees monthly from the start of this loan until i was able to getting credit from another lender. my vehicle was re-posessed and pulled in by company and i had to pay an astonomical amount of money in fees to get my car back. i constantly was on the phone with santnader trying to understand where all the excess fees were being billed to me and no matter how and when i made my monthly agreed upon payments, i was always asessed all the extra fees. i tried escalationg to a manager to no avail. i wrote letters and made weekly phone calls trying to get my account current. santander is an unreputable company and with questionable practices of blling, fees and no customer service. Please make a call to their this company yourself and see the response that you get.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I sent a letter to this company to remove a unauthorized inquiry from my report that was done without my consent and they have not responded.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I cosigned for a car XX/XX/XXXX from Santander Consumer USA. I found out the person who I cosigned the car for wasn't paying the note so I put the car up for voluntary repossession approximately XX/XX/XXXX. The person ended up skipping town with the car and on XX/XX/XXXX he was arrested for XXXX XXXX XXXX in New Mexico. The crime happened in XXXX, Arizona so the car and the young man were transferred there. The car was involved in the crime thats why they took the car as well. I've been in constant contact with Santander to try and get this issue resolved. I've also been in contact with the XXXX County police department in regards to the car. They had told me they couldn't release the car until the trial was over. The trial ended sometime in XX/XX/XXXX and I was able to get the location of the car and a case number for Santander to pick it up. I also spoke with the detective who has been waiting for Santander to pick it up. During these past few years Santander has not sent me any mail regarding the car, no bills nothing. Ive had someone work on my credit and Santander was supposed to send a letter back within thirty days and I never got anything from them. I get no type of communication from them. I called Santander today just to get my account number. They explained to me they have been trying to get in touch with the officer who has the car and that they had been calling him when I asked when they called they hung up on me ( XX/XX/XXXX). I I had told them once they get the car back we could work out something because im trying to buy a home and this is the only thing stopping me. in the year XX/XX/XXXX they reported me late on this car payment three times which makes no sense because it hasnt been paid at all. It should be late 12 months. Im trying my hardest with them but I never get anywhere. They dont seem to want to pick up the car and they dont seem to want to communicate with me about it. The situation is pretty unfair and im trying to resolve it but i keep coming up short with these people. I have no documentation except police reports and a few bills from when I first got the car but other than that they have not sent out any correspondence in regards to the car.
Company Response:
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I realized after I made my XXXX payment and it got returned that my identity has been stolen, I have a fraud alert on my credit report, so when I remade the XXXX payment on XX/XX/XXXX, I included the {$30.00} NSF fee With my payment I was remaking. I thought we were square there was no issues I was wrong. Since having my identity stolen weve struggled with bills a little bit and Ive been making that payment later than the 10 day grace period. And when I have Ive been including The difference in payment with the car payment, Normally the car payment is {$500.00}, In XXXX I made the payment of {$530.00} They credited the entire amount to my account and still leave me hanging with that fee, None of the other lenders I have car loans with did that to me its only Santander, Same thing happened in XXXX when I made the payment later than the 10 day grace period, So when I look at my statement this month It says {$130.00} in fees and charges XX/XX/XXXX I made My payment {$530.00} XX/XX/XXXX I made my payment {$590.00} XX/XX/XXXX I made my payment {$520.00} XX/XX/XXXX I made my payment {$530.00} Which totals {$2100.00} in payments Four payments normally would be {$2000.00} Which is a difference of {$150.00} that I included for late fees and charges that they credited to the principal and interest instead of crediting to the late fees and charges And if I wouldve discovered this back in XXXX I wouldve called then but calling and talking to them was like talking to a road sign I will include all the statements to show proof that I was doing the right thing and including fees with my payment and they didnt credit that way which is XXXX all my other banks did especially in light of the situation
Company Response:
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX i purchased a XXXX XXXX from Santander Consumer USA. In XX/XX/XXXX it was stolen and totaled out insurance has paid off the balance but, their claiming i still owe {$10000.00}. its reporting to the credit bureaus monthly and making a huge impact on my credit. I need for this to be removed asap. I've called Santander several times but, no resolution has been made.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: They allege I owe them debt that they relieved me of. They said and wrote to me that I would owe nothing.
Company Response:
State: TN
Zip: 38122
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A