Date Received: 2018-09-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Just bought a car and before I could plate it I was in an accident not my fault the other insurance company took for ever to settle with santannder they continued to charge interest on the vehicle loan which I was also still making payments on also I have ask them to wave the interest since they were the ones that settled with the insurance but still were charging me until they got the payment also they said it was for the warranty that obviously was not needed again didnt even have the vehicle 30 days I would like it removed from my credit
Company Response:
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-29
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: on XX/XX/2018 my car was reposes by the loan holder, Santander usa on XX/XX/2018 i made a payment via XXXX XXXX quick pay in the amount of {$4200.00} to paid off the loan plus all the towing and storing charges Since then Santander usa have refused to release the car, I have in my possession the free and clear tittle and registration of the car under my name I have made several attends to get my car back and the customer service always tell me that they are working on it
Company Response:
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The Company in question is XXXX XXXX XXXXwho garnished {$180.00} from each of my weekly payroll. They claim until the amount of {$3000.00} is paid for judgement against me in XX/XX/XXXX for a debt bought from Santander for a delinquent auto lien on a repossessed vehicle. The garnishment took place on the payroll of XX/XX/XXXX and the XX/XX/XXXX. The problem is this debt was legally settled through another collection agency XXXX XXXX & XXXX on XX/XX/XXXX. I was contacted on XX/XX/XXXX by my parents that XXXX XXXX & XXXX called in reference the delinquent auto account from Santander. The reference number is XXXX and account # XXXX. They advised it was a attempt to collect a debt from Santander and gave me three options to settle. The settlement options I believe were a 12 month payoff of {$5000.00}, a XXXX payoff for 6 months, or to pay off immmediately for {$1000.00}. I agreed to settle for {$1000.00} and under contract they gave me until the XX/XX/XXXX to pay it in full. On the XX/XX/XXXX I noticed I was garnished for {$180.00} by another agency XXXX XXXX XX/XX/XXXXin referecnce the same debt. I was furious and notified XXXX XXXX $ XXXX in referecnce the garnish and they stated that Santander have used another creditor in addition to them. I said that breaches our contracted agreement and asked will this end the garnishment that came after we agreed to settle. I was advised it takes 60 days before it clears through all the credit bureas so I paid {$820.00} which they agreed upon due to the {$180.00} garnishment applied for the same debt. Even after paying I was garnished again on the XX/XX/XXXX so I tracked down the contact for XXXX XXXX XXXX XXXX XXXX and XXXX. He is claiming the two firms do not know each other and he will not accept the letter of settlement I sent him, because he owns the delinquent account bough from Santander. XXXX XXXX XXXX claim the same account and instead of garnishment opted for settlement. Somone is a fraud but both to have claim legal right to the account. I am now being garnished for the settled debt by XXXX XXXX. Now XXXX XXXX is rollingback on the settlement and refunding the money but I am still being garnished by XXXX. I am not at fault here I paid the debt under legal terms. Both claim ownership on their own terms, but stated to be lawful. I am caught in between for a debt contracturally settled. XXXX XXXX and XXXX have grievance against Santander for double selling the debt contract not with me. I did not agree to accept a refund for this legally settled debt, I am no longer liable. I need XXXX to cease garnishment and pursue Santander or XXXX XXXX for settlement. I am not paying twice for the same account and XXXX now is trying to charge me more than what I had already settled for. Contacts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Case # XXXX XXXX XXXX XXXX XXXX & XXXX XXXX ext. XXXX XXXX
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2018-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2018, I saw an alert on my credit report for an account from XXXX XXXX XXXX XXXX, Original Creditor 14 Santander Consumer USA Inc. on my XXXX, XXXX and possibly on my XXXX report for {$8500.00}. Fraudulent account with different balances that keep popping up on my report. I am in the process of disputing and they placed this on my account without notifying me. In addition, I have found Santander to be threatening, harassing and involved in unethical business practices, violating the FDCPA laws. This has affected my reputation, caused me emotional stress and has been damaging to my scores. Please delete these accounts immediately from all three of my credit reports. Thank you.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2018-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: My car was vandalized through XXXX XXXX XXXX, the car is completely inoperable and I am in the midst of court proceedings. The vehicle was towed, dragged and dropped repeatedly by them. The gas diesel is ruined and they picked up the vehicle when I was about to go to court. The original price was XXXX not XXXX. This one particular XXXX male was probably upset that I picked a XXXX car he sold me the car to ruin my credit. I am only three years into the loan, I have XXXX and I need to have the loan reinstated for some of the amount that I am past due. The price of the car which is now a lemon is over priced. The price of the vehicle is {$720.00} per month. I am only three years into the loan and the reinstatement cost is too high. I was almost XXXX. I was actually XXXX and held at XXXX XXXX. I need a new reinstatement of my loan at a lower price. The vehicle is no longer worth {$30000.00}. It has been damaged and is inoperable, why should I have to pay {$30000.00}.?
Company Response:
State: NJ
Zip: 086XX
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: . I purchased the car from Santander Consumer I drove the XXXX XXXX XXXX XXXX for two weeks, and the dealership called me after two weeks to tell me that I had the wrong vehicle, The paperwork on the vehicle that I had Vin number did not match, so they gave me the wrong vehicle. When I got back to the dealership, the vehicle they tried to give me, I did not want, so I left it there, but its still on my credit report and I can not seem to get it off.
Company Response:
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There was a Santander Consumer Auto Loan that was opened on my credit report with XXXX back on XX/XX/2010. I never opened this car loan. I believe I am a victim of identity theft.
Company Response:
State: NC
Zip: 28152
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Last month I checked my statement it said the amount due was {$700.00}. I made a payment and then the next day I logged in and the amount was different from the statement. I made a payment but it said I still had a balance of {$150.00}. This company has been an absolute nightmare to deal with. Constantly adding fees with no explanation. I am a XXXX veteran who is currently out of work on leave without pay because my XXXX for which I am rated XXXX % XXXX has been aggravatwd and I am in XXXX. These fees are getting ridiculous. I dont know why they keep adding them but at this time I can not afford to be throwing money away to unknown fees. I have tried to change the address on my account numerous times and they still have my old address which cause issues with payment because they put the payments through with the old address causing the payment to be returned resulting in additional fees.
Company Response:
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Financed XXXX XXXX XXXX with XXXX XXXX XXXX XX/XX/XXXX. Paid on the loan as agreed and balance never changed. Everytime I looked up I was being charged fees and have no idea why. When I would question fees being charged and why, I could never get and explanation. In XX/XX/XXXX I had a car accident and the vehicle was totaled. Insurance paid and gap paid and there should be no balance left. Santander continues to call me about a balance that I do not owe and can not explain why I owe {$4100.00} when I had full coverage insurance and gap insurance.
Company Response:
State: TX
Zip: 75218
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My car loan was sold to another company ( Santander Consumer USA ) after my car was deemed a total loss. I was never notified that the loan was being transferred or that the account was placed into collections or a charge-off. When I contacted the company after noticing that my credit score dropped over 50 points, they were unable to give me proper information or documentation that the account received payments from my insurance company or GAP company. I even called both of these companies to verify that the payments were actually made and each company verified the dates and amounts paid to my original loan company. Unfortunately because the account was sold during this process, my original loan company has no further information and said that the new company would be able to verify everything but was not able to. I spoke to several representatives who placed me on several holds for long periods to speak to managers since they didn't have information about the account being placed into collections, payments received, and was even hung up on while waiting for resolution. They did offer me a settlement, but that will not help out with the damage to my credit after trying so hard to repair it from a divorce. To reduce conflicts and because I was afraid that interests and late fees would apply, I continued to make a payment in XX/XX/2018. They said that once they received the account, it was already a charge-off / in collections. How is this possible when I made payments while waiting for the insurance company to send their settlement check and my GAP coverage to send theirs? Again, the company is unable to give me answers and only offered settlements for the account.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2018-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A