Date Received: 2018-12-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a account with XXXX XXXX/ Santander usa , account number XXXX balance is {$9500.00} I'm Requesting this account to be deleted from the credit report based on the repo was not done according to California law. I already contacted a attorney and he said I have a case. so please delete this account from XXXX and XXXX. XXXX already deleted this account
Company Response:
State: CA
Zip: 93637
Submitted Via: Web
Date Sent: 2018-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XXXX XXXX loan took out XX/XX/XXXX. I have paid approximately 8000 on a XXXX loan and as of today XX/XX/XXXX my payoff is more than originally borrowed. Yes Ive been late and deferred some payments however the interest rate and fees are obsurd and its either keep paying or return the vehicle at which point my credit will be worse and Ill have no way to work. Every done I lay goes straight to interest this should be against the law its no different than the check cashing businesses that were shut down in my state
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-10
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: On XX/XX/2018, I went to XXXX XXXX of XXXX XXXX Virginia and purchased a XXXX XXXX XXXX for the sum of $ XXXXUSD. I signed a sales contract along with a co-signer on that date and left the dealership. Today, XX/XX/2018, I am being told by representatives XXXX and XXXX at XXXX that the bank has not yet approved the loan. XXXX presented himself as the Sales Director and claims the bank, Santander USA, will not process the loan without an additional $ XXXXUSD ( a full month after the sale was made ). I am told I can not speak to anyone at Santander USA as they refuse to deal directly with customers. This bank is behaving in a suspicious manner. If financing was approved on XX/XX/2018, how are they now allowed to ask for an additional $ XXXXUSD 30-days later? According to the dealership, my first payment is due on XX/XX/2018, but I have not heard from or received any billing notices from this supposed bank. I do not even have a loan number to reference. Lastly, I'm not sure that this bank should be allowed to operate within the United States if they can make up terms to contracts after the initial terms were agreed upon and a contract was signed.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I made several payments on my account in XXXX, XXXX and XXXX that wasnt applied to my account. I have sent bank statements per their request over the period of 5 months to get this issue resolved. I keep on getting the run around from customer service reps saying that they dont have it for me to send it over and over again. Then they stated they do have it but need a statement with my account number, which they have, the date of the transaction which they have and the rolling balance which they have. Even my bank called in to confirm that the charges were there. Now they repossessed my vechile and is holding it hostage until the issue is resolved. Now my car is up for auction. In addition I paid {$560.00} in a rental so I can get to work that I can no longer do and can not return to work until this is fixed. Please handle and return my vechile.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am a XXXX XXXX and receive only one paycheck over summer. So on XX/XX/2018 I submitted three months of payments for my loan with Santander Bank. On XX/XX/2018 I called because I was unable to view my account online. When I called the women informed me that I was delinquent. When I asked why I didnt have access to my account she said I couldnt have access because I had filed Bankruptcy. This seemed like odd news since I obtained this car loan two years after filing bankruptcy and had historically had access. When I questioned this she told me that they had changed their policy and would now only allow you to prepay payments for up to two months. This was never disclosed to me. Nor was their new inability to grant me visibility online to my account. I was told that I need to pay an extra payment to now bring my account current. This appears to be both unfair and deceptive lending practices to me as a consumer.
Company Response:
State: OR
Zip: 97080
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Reports Erroneous Information Current Creditor refuses to properly investigate and properly remove.
Company Response:
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2018-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This company is the worst company. They are scammers they are adding extra fees to my account. Customer service is terrible. Interest rate is sky high. They are doing this to the who is going to stop them ... ...
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2018-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-07
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: I turned in my XXXX XXXX XXXX on XX/XX/18. I received an incorrect tax bill for an entire year which I resolved with the town providing proof of early termination. I had contact XXXX XXXX and they stated they would do an abatement. The town has returned the excess money for taxes back to XXXX XXXX. XXXX XXXX stated Since XX/XX/XXXX they would send a corrected bill. I have received numberous phone calls from XXXX XXXX where they are not reading their own notes that this under abatement. They call my place or work, cell and wifes cell 2 to 3 times a week looking for payment on the wrong amount. Every conversation ends with an apology and they will get a corrected bill out. My last conversation was with a supervisor by the name of XXXX and her employee id is XXXX. I'm simply asking for my correct bill so I can pay but we are continually harassed.
Company Response:
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2018-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-06
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XX/XX/XXXX, I bought a XXXX XXXX XXXX from XXXX XXXX and the loan was through Santander Consumer USA. That same night, we ( my mother was driving behind me ) dropped off the rental and, while there, the XXXX completely shut down all electrical and would not come back on, so I sent a text to the salesperson, but I did not hear back from him because it was about XXXX ( it was a two and a half hour trip ), but then it came back on. The next day, he did text back, but I told him that it came back on, so he told me to let him know if it happens again. The next day, due to a XXXX XXXX I have just found out about, my mother went down to pick my XXXX year old daughter up in XXXX, GA, who's is about six hours from us. When she had made it there and picked up my daughter, the XXXX went dark and shut down again in the middle of a small highway. She had to be towed to a nearby XXXX dealership and then my very tired mother and daughter were at the dealership all day before finally getting a rental car from the dealership and going to a hotel because it was not resolved yet. I called Santander Consumer USA Funding Department and told them what had been and was still happening and the lady told me that she did not think it should be funded, but we agreed to wait a little before coming to that conclusion, due to the pain it would cost to try to figure out how to get them home. The next day, they waited all day, between my mother and I arguing with XXXX XXXX who were rude and did not want to help at first. I was really concerned my mother and daughter would be stranded in XXXX or I would have to pay a huge expense of a one-way plane ticket or rental car. My mother called me and XXXX XXXX was now not responding to her and that she found a great priced one-way rental car that she could rent for the week, so we have a vehicle when she gets back also, I called the Funding Department of Santander again and was told that they were not going to fund the loan and to have my mom and daughter leave the XXXX and come home. I verified this a couple more times, to make sure I heard correctly, and she was adamant and said they would not fund a vehicle that already broke down because they do not want the trouble. I told her thank you and said that I was going to be buying another vehicle and would love to work with them, if the company went through them. I then sent my mother the money to rent the vehicle, including deposit, and she left it. Two days later, I went to another local dealership and bought a XXXX, after calling my bank and disputing the deposit I gave XXXX XXXX and getting my money back. On XX/XX/XXXX, I called Santander Funding Department again, because I received a bill and they put me on hold and then came back and told me it was a mistake and they were going to reverse the funding and they are truly sorry. I told him that I understood mistakes happen, just as long as it does not hurt my credit. I received a call and voicemail ( saved ) from him on Monday, telling me they were still working on it, so I called back and was told the same and that they would contact me as soon as they were finished. I asked for an email verification and was told they do not do that and that they would take care of it. I then mentioned that they were listed on my credit report and was told that it was as a verification for the loan and should not say I am paying a loan. I told her that it said my payment amount in there and that it was a real thing on my credit report. She said they would fix it and and not to worry. I did not hear back from them and in XX/XX/XXXX, I received a call from a creditor from Santander, coming after the payments I hadn't paid and I told him to leave me alone and then called the Funding Dept at Santander and was told it would not happen again and I told them that they needed to fix this ASAP. She said they would and that was time I spoke with them for a while. On XX/XX/XXXX, I spoke with Santander and a gentleman answered and seemed very surprised when he told me that it was their mistake and he was working with his managers to fix it and I recorded the call and then, when I called again because I never heard back, I was very rudely told by a rep and manager in the funding dept that it was my problem and there was nothing more they would do ; I recorded this conversation also. I was given a phone number to call in their disputes office and I told them what happened and was told they would follow up with the Funding Dept and get back to me ; I did receive an email stating they were working on it and then a day later I received another email telling me it is my problem and their case was closed. I then called the dispute Dept back and a lady answered the phone and I told her I had voice recordings, so she asked me to send them and I did. I called again a week later and was told it was closed again and then they reopened it because I fought it. I never heard back from them after. On XX/XX/XXXX, my vehicle broke down and I went to buy a new vehicle and found out my credit score was horrible because Santander has it on there that I owe almost 20k, so I called Santander Funding Dept again to ask why its still on there and was told they did not know why and it would be fixed ASAP. I had to pay {$2000.00} for a transmission replacement because I could not get a vehicle on credit due to Santander. In XXXX, I called XXXX XXXX finance office, to discuss the vehicle situation and was told that there was nothing they would do and I needed to handle it without Santander ; the reason I called, was because Santander repeatedly told me to call them to get XXXX XXXX to send the money back to Santander because Santander accidentally paid them. Did not work at all and now my credit should be wonderful and it is very low and all due to Santanders unwillingness to correct their mistake when they accidentally funded a vehicle after they said it would not be funded.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2018-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-05
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: Received letter dated XX/XX/2018 from XXXX XXXX, reference # XXXX. Under credit report, { highlighted area } the last Statement it reads : { Too few accounts currently paid as agreed }. I had no agreement and it did not come from XXXX. At he time of loan application I had paid off the boat, car, and 2 credit cards, I believe the report to be slanderous and discrimitory. The only loan out was the mortgage. Thank you.
Company Response:
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2018-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A