Date Received: 2018-12-27
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XXXX my car was repossessed. I was never notified by Santander of any action being taken. Pursuant to Georgia Law 10-1-36 it states a deficincy can not be claimed unless all of the required notices were properly sent. I requested the legal certified documents from Santander on XX/XX/XXXX via XXXX showing proper protocol was taken. My letter was delivered on XX/XX/XXXX. I received a response from a secondhand company XXXX XXXX on XX/XX/XXXX, which was a settlement letter. No certified documents have been provided like requested in the 14 day time frame which considers the deficiency null and void.
Company Response:
State: GA
Zip: 31909
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/XXXX I purchased a XXXX XXXX and Santander was the one who financed my loan. My balance on XX/XX/XXXX was {$22000.00}. Since then I have made approximately 30 payments of {$510.00} ; Some months even more. Every time I looked at my balance it seemed like it's never decreasing but staying the same or sometimes even getting higher. As of today XX/XX/XXXX Santander is still saying I owe {$17000.00} as the principal balance and {$18000.00} for the payoff amount for a XXXX XXXX that was purchased in XX/XX/XXXX. In XX/XX/XXXX I got into a horrible accident and received a check for my diminished value. Since Santander is on the loan I called to ask if they could sign the check and send it back to me. I was told to send it in expedited and they would return and send it back. Instead, the cashed my check for {$4100.00} and put it all towards their interest. I had to call the 3rd party to put a stop payment on the check. I've reached out to Santander multiple times to see why my payments are not being applied correctly and also to question how my payments have been applied. I've received no resolution and have been treated poorly as a consumer. Some payments I make go straight to the interest and none to my principal. How is this ethical? I would like a resolution as soon as possible.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I called my loan company Santander Consumer USA to discuss my loan. The next day they said my balance in good standing but they reported my account to the credit bureau. Next i told them i could make a payment of XXXX and then XXXX this week since i am a XXXX XXXX XXXX. The sales person on the phone agreed to it. After that day i get a letter in the mail with the intent that Santandar Consumer USA is going to repossess my vehicle this week if i don't come up with the balance due. I then told him the sales representatives that i will pay what we agreed on and the following people pay the monthly balance to get it done.
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-24
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I received a loan from Santander for {$12000.00} approximately four yrs go.Had hard times and fell behind and charges tripled and can't keep up the pace. I have paid around {$17000.00} so far and still owe {$14000.00} on an XXXX XXXX XXXX in which XXXX XXXX XXXX XXXX says is worth {$2000.00} as trade in, most others say {$1200.00}. My family need a larger vehicle now and can't get out from under this for another 3-4yrs. I read the loan lawsuit on Santander and am thinking I may have fallen prey to this scam. Any help will be appreciated. I have been informed by car dealers that Santander s known for entrapment of consumers and to just let the car go but I really don't wish to but may be no other way out. Thank You,
Company Response:
State: TX
Zip: 75482
Submitted Via: Web
Date Sent: 2018-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: In addition to my complaint on file XXXX, the town has responded via email. XXXX XXXX from the XXXX tax collector : " Good Morning XXXX, Per your request after our telephone conversation today, I am attaching all documents concerning the tax abatement and refund to the above tax account XXXX. This refund request will be submitted at the XX/XX/XXXX monthly City Council Meeting where it is most certainly will be approved. This will produce a physical refund check that will be mailed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. The check should be mailed out of our office approximately the last week of XXXX or first week of XXXX. As you can imagine, XXXX is a tax collection month which keeps our office very busy and refunds of abatements and overpayment 's follow. If you have any questions, please feel free to contact me. " On numerous phone calls I was advised by XXXX XXXX that their abatement department would be reaching out to the town of XXXX but to this date they have not made any efforts. In addition, not sure if this matters but the vehicle was returned on XX/XX/XXXX which I have receipt of from the dealer. Thank you.
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2018-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I traded in my XXXX for a XXXX and the delership i purchased the XXXX from took forever to finalize the loan for whatever reason? in the process they did not pay off the balance with santander on time and I incurred a late payment on my credit report that affected my score. Santander has since provided me with a pay off record which I will attach in this writting, please let me know if you can help with this matter ... I did not intentionally not make a late payment, this was XXXX fault and I want it to be right ... best XXXX
Company Response:
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: showing past due 90 days And I do not Have the vehicle in question
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Account has been paid of in full years ago. My wife made a complaint against this company regarding inaccurately reporting info on our credit reports. The company was removed from my wife 's credit reports through the credit bureaus but it was removed from my credit report. The account was a joint account with both names, XXXX XXXX and XXXX XXXX. Please remove from account.
Company Response:
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2018-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2018-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-19
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My name is XXXX XXXX. I can be reached at XXXX, XXXX and /or XXXX. I traded in a XXXX XXXX that was financed with Santander Consumer USA. My loan payment is withdrew by XXXX XXXX which also goes by the name XXXX XXXX My loan payment is withdrew from my bank account each month by XXXX XXXX on the XXXX of each month and sent to Santander by the XXXX. The XXXX XXXX was paid off on XX/XX/2018 by the XXXX XXXX dealership located in XXXX, Indiana. When I called Santander on XX/XX/2018 they told me they never received a payment from XXXX XXXX. XXXX XXXX faxed them the ledger showing the payment had been sent to them by XXXX-18. They changed their story three times in a matter of 2days stating the payment had been applied to someone else 's account then it had been sent back to XXXX XXXX then admitted they owed where an overpayment of XXXX had been made to the account. I have called everyday and been told that I would receive a refund in the mail in 21-45 days although they have had the overpayment since XXXX-18. This has adversely affected my bank account and caused me to lose a great deal of money in fees. I have the names of all of the individuals I have spoke with at Santnader and I have only one statement that has been sent to me in the duration of a in excess of a four year loan. All of my payments have been made and received before they were due. The statement urges all of their customers to use XXXX XXXX therefore Santander must have a strong working relationship with XXXX XXXX.
Company Response:
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2019-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A