Date Received: 2018-10-08
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: I got a call from a bill collector stating I owe money and will need to pay or will be going to court to be sued. XXXX XXXX XXXX was his name as he stated. He was working for XXXX XXXX XXXX XXXX. Was calling about a Car that I co-signed for and needed to pay the difference which was XXXX. I was in shocked since I have not received any paper work on this. This car was repoed about 5 years ago. I'm guessing due to it was not in my possession. He then said I was being recorded and that I was be summon over the Phone. I'm in a Wow now. He new all my personal info also. then he said he can see if I could do a 10 % pay off and that everything else will be a tax write off. That 10 % pay off would have been {$1300.00}. So I did some research and was not sure if this was true or not. They called again today and I said I am reporting this to Consumer finance.gov will see what happens. The phone # is XXXX
Company Response:
State: TX
Zip: 78155
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: My husband and I purchased a used XXXX XXXX XXXX in XX/XX/XXXX after we purchased it we started having a lot of issues with the vehicle in XXXX or XX/XX/XXXX I had pulled the car warrenty for towing I had noticed tbe milage was incorrect so I pulled all the paperwork and when we purchased the vehicle it had almost XXXX miles which I can prove on XX/XX/XXXX we took the car to get an oil change and looked at during that time the milage was recorded at just over XXXX miles on the warranty paperwork the dealership had XXXX and on gap and the contract they had XXXX so we lost over XXXX miles on our warrenty and lost on gap due to the depreciation value of the car, i informed the bank and was told by santander consumer usa that had they known the car had almost XXXX miles that wouldn't have financed it due to lemon laws and the car not being worth the value it was financed for. I did send the documents over to the Arizona Attorney General the dealership knowingly committed fraud to get a loan on a car they could not otherwise sell and get financing for if they did this to us who's to say they haven't done it before. The car company is Az car sales in XXXX az. I would like a full investigation and would like them to pay off our loan that they illegally obtained in order to sell this vehicle.
Company Response:
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a XXXX XXXX XXXX XX/XX/XXXX. The pink slip says my payments are {$270.00} for 72 months. I borrowed {$11000.00} and my interest was {$8700.00} making my total payback {$19000.00} which is {$270.00} for 72 months. I have had a lot of late fees added on to my account but what I don't understand is that I have added up all that I have paid them and I have looked at my account with them. Records show that I have paid {$6200.00} in principal and I have paid {$14000.00} in interest. Which totals {$20000.00} As of today, I still owe {$4900.00}. I don't understand. I have tried to call them to have them explain it to me but no one will take the time. I have paid well over what my wife and I signed the pink slip for. How does that work? Their phone number is XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 162XX
Submitted Via: Web
Date Sent: 2018-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The creditor gave me a vehicle loan the car was in a accident it was totaled out they wrote it off as profit loss write off showing a balance of $ 16k+ bad debt on my credit report. However my gap insurance covered the vehicles loss value and the loan was paid in full by XXXX XXXX XXXX XXXX. XXXX bank will not remove it from my reports help.
Company Response:
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2018-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I filed bankruptcy in XXXX and all accounts were closed due to this. Santandar had my auto loan and insurance paid off car after an accident. I thought I still had to pay on the balance not paid but then checked my credit report and this account was closed under the bankruptcy. This means I do not owe any more to them and they call daily to collect. This has to stop
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: XX/XX/XXXX I got into a car accident and insurance company gave me a check because my car was a total loss. In XX/XX/XXXX I try to get a new car and Santander consumer inc told me I have {$3500.00} left on my account due to a extended warranty which I never signed for.so I called auto source warranty to cancel the warranty that Santander said I had and auto source sent me a mail on XX/XX/XXXX saying that the vin number I provided was mine but how ever related to a different vehicle and different customer name and that they have no contract number with my name and they told Santander but, Santander refused to take it off my credit or even tried to dispute it.Ever since then I have not been driving for 3 years and I want to get a new car and I spend almost XXXX a week on XXXX because every dealership I goto and try to get a loan they deny me or tell me to put a large amount down all because Santander put it as a charge off on my account
Company Response:
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I financed my car through Santander bank. My payment is due on the XXXX of every month and every single month I make my payment on time. Every single month Santander takes money out of my account regarding my payments yet since they have reported me late almost every month so far this year. They have reported me late to the credit bureaus XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/ 2018. They have even reported my car as a repossession to the credit bureaus which is very incorrect. I have disputed this issue with the credit bureaus and Santander Bank numerous times yet the late payments remain and every single month I am paying Santander on time so how can I be 30-60 days late? Its impossible! Attached I have receipts of all my previous payments this year. Please review! Thank you!
Company Response:
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: This company has called and has stated that they are law enforcement agents and that they will have me arrested. They have called my XXXX and has insulted me in many ways they call at all hours and have harassed my mom and saying to have her XXXX son call. This debt is not even legal the car was reposted and and taken by Santander Bank over 6 years ago. They even have stated that they are watching me and are going to come after me. They answer the phone by stating litigations and pass themselves off as attorneys and police officers and have threatened me.
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Excessive fees
Subissue:
Consumer Complaint: XXXX XXXX keeps reporting thi colection account the account is closed and on my credit report its active every month it shows it decreased when the debt is charged off
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: On XX/XX/2018, My wife & I been in XXXX XXXX XXXX test driving XXXX. First we were thinking about buying the car, and a Trade-in option came to the discussion for just five minutes, then we took it off the table when the dealer offered us a very low price for the trade-in. for the next couple of hours, we were discussing buying and leasing options and prices until we agreed on a specific lease monthly payment of $ XXXX/month for 39months ( after taxes ) with {$0.00} down. During signing the contract, the financial manager kept repeating there's no trade-in, this will make everything faster. but when we went home we noticed that they mentioning a trade-in at the amount they offered, but they wrote N/A in the make, model, year, VINsections. Two days later, the dealer called and asked me to go back under false pretense as he said that they found better bank approval and we will need to change the contract, but when I went there, he told me that there was a mistake in the contract and the whole calculation, and he admitted it's their mistake because they forgot to remove the trade-in from the computer when they were quoting us, and all the calculation were based on that trade-in. And now they are trying to blackmail us by threatening to take back the car if we dont agree to re-write and re-sign the contract with {$100.00} increased monthly payment. Original sticker price : {$41000.00} They add things like interior and exterior protection for {$4000.00}, claiming that they cant remove it from the deal, but we were able to negotiated off the amount. Final amount after negotiation was : {$39000.00} ( including {$1100.00} for the extras they force on the deal )
Company Response:
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A