Date Received: 2018-09-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander USA is not reporting the date the account became delinquent and after which it was never brought current. XX/XX/XXXX, I made my last payment to Santander. That payment was for XX/XX/XXXX. I paid Santander over {$11000.00} dollars and all I was paying was interest. XX/XX/XXXX, the account became delinquent and never became current. Santander is reporting XX/XX/XXXX, as the date became delinquent and never became current.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2018-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I recently paid off a car loan on a XXXX XXXX XXXX-XXXX ( VIN # XXXX ). The loan was held by XXXX XXXX and I paid it off early. I called to get the pay off on XX/XX/XXXX. Was told I should pay {$2600.00}, which I did and the check cleared the bank on XX/XX/XXXX ( Check # XXXX ). All the documents have been sent to me promptly. Yesterday I received a letter from XXXX XXXX thanking me for doing business with them. They advised me that I was owed {$9.00} for overpayment on the auto loan. Attached to that letter was a prepaid XXXX that can be used everywhere ( except at ATMs ). In order to use it as a debit card I would need to set up a PIN and in order to use it as a credit card I just needed to sign for the purchase. The paragraph below the " NOTE : The Debit " cash back '' option is not available with this card '' statement advised that " Registration, activation, acceptance, or use of this card constitutes acceptance of the terms and conditions stated in the Prepaid Card Agreement. '' Back of letter has the essential elements of the Prepaid Card Agreement. The schedule of fees notes a card maintenance fee of {$3.00} a month ( nice work on a {$9.00} payment ) This card represents an account that I neither requested nor desired. I could " ... go to the website on the back of the card ... '' to request a check in place of this card. The question is why would they make me take that additional step? The extra step I am taking is advising you that this practice is in use to get people to acquire a credit card that they did not request. It seems to me to be much like XXXX XXXX XXXX 'XXXX cross selling schemes to open accounts that their customers were unaware of getting and, like me, did not want or need. I am attaching a copy of the letter from XXXX XXXX.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: On XX/XX/2018 I had an appointment @ XXXX to meet with XXXX XXXX an Internet sales specialist. I leased a 2018 XXXX XXXX with a sticker price of {$42000.00}. I had a trade in that I was told they were giving me {$12000.00} for which left me with {$5500.00} equity plus they were giving me a {$4000.00} incentive from XXXX which I was taxed on.The salesman confirmed to me we were deducting the total of the trade and the incentives which comes to {$9500.00} from the sticker price of {$42000.00}. After verbally discussing a payment of {$500.00} a month for 48 months. ( Just to remind you I had a XXXX appointment and it is now around XXXX pm and they are closing at XXXX ) when I am called into the finance office to meet with XXXX XXXX their finance manager. That is when I was told that I was given the wrong information by XXXX XXXX I was told XXXX XXXX told me it was going to be a 48 month lease was actually going to be a 39 month old and that it was going to be more money but he assured me I was saving money overall. Being naive and feeling a little rushed and smooth talked I was presented with Gap insurance and was told I had to pick one of several options ( I was never told it was optional. ) after signing all the documents it was time to go to the cashier and make a payment of {$2400.00} which I believed was for taxes and title. It wasn't until I got home an actually had more time to over the contract.is when i noticed out of the {$2400.00} {$1300.00} was additional cash down payment which we never discussed and I was told earlier by the salesman, ( with the trade and the incentive of course there was nothing out of pocket. ) It seems like XXXX took upon himself to go into my pockets and help himself to more money. Further more instead of deducting my {$9500.00} from the sticker price, They added that amount to the sticker price and have an " agreed upon '' price of {$52000.00} plus all the after market add ons which brought the total to {$54000.00}. None of this was ever discussed with me and every time XXXX referred to the the price he referred to the sticker price. I was back in there @ XXXX the next morning thinking it was a mistake and easily fixable I seen XXXX and he looked me dead in the eye and gave me an explanation that I was reading it wrong and that everything was right. I was finally put in touch with a XXXX XXXX. He runs the entire place his father is the owner. XXXX was suppose to look over my contract and he was going to call me in a few days. Needless to say after 10 days still no call from XXXX XXXX. I finally went in to the dealership and talked to him and his excuse was that it was the end of the month and it was hard for him to find time to call me.We finally get around to him taking a total of {$4200.00} off of my contract for all the after market add ons. But right before he was going to take it off he needed me to sign a waiver stating that both parties were satisfied.I would not do that and that is when I had a chance for him to explain to me how i was charged over $ XXXX over the sticker price with a trade in of XXXX plus {$4000.00} incentive? He tried to give me a legitimate reason that it was taxes and a bunch of other things. That's when I told him NO that doesn't make any sense. It was then that he told me he doesn't know how to read the contracts. My feeling is that cant be the truth. He runs the entire operation and doesn't know how to read the contracts. ( I cant accept that as an answer ) I am in belief that these contracts are fraudulant and are not compliant with federal leasing laws.
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santander is ripping me off, I never dreamed I could pay triple for a car but that's exactly what I am doing!! I am a disabled person and I don't get a whole lot to live on, my sons father is on the loan with me because he has more income than me. I got in a tough spot when he lost his job. I got behind and tried making arrangements with the company and they said we had an extension, so we thought everything was fine until our car was repossessed. I put down almost XXXX for the car to begin with, and I had enough money at the time to pay it off, it was only XXXX, but XXXX dealership talked me into financing because it was close to XXXX XXXX, and I have XXXX boys. At any rate not only were we screwed over by XXXX of XXXX, we are also being XXXX by santander. Our percentage rate is already outrageous, we get charged late fees daily and finance charges added to that. I also got charged from santander for my toll bill when they repossessed it. I wasn't allowed to pay the toll company myself, the amount was added to my principal and I pay finance charges on that bill as well. I don't know legally how they are getting by with it. This whole company should be shut down and put behind bars. This is incredible!! I have already paid my loan off but all I paid has only gone to late fees and extra finance charges!! I wish I could sue the XXXX out of these people for mental anguish! I am already XXXX, they shouldn't be allowed to do this to people!!
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I despuied information with credit bureau XXXX/XXXX/XXXX XX/XX/2018 .. XXXX has updated account information and removed from my credit file however XXXX/XXXX WILL NOT UPDATE INFORMATION ON MY FILE .. I HAVE ALSO REACHED OUT TO THE COMPANY ITS SELF AND THEY WILL NOT RELEASE INFORMATION AS IN WHAT THE CAR SOLD FOR AFTER REPO ETC..
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I got a car loan with Santander consumer USA with a high interest rate of 24 %, because I want to improve my credit score. Since I got the loan in XX/XX/2018 I always made my payments on time, but they won't report it to the credit bureaus unless I request an investigation from XXXX bureau. I spook many time with Santander consumer USA customer, but they won't fix it, and report each month. I don't know how should I get my credit score improved if they don't report to the bureaus. I pleased you to help me out with this, becasue I don't know what to do anymore thanks.
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Somewhere XXXX & XX/XX/2018 I called XXXX XXXX to Place a complaint due to they report me delinquent on my credit report when I was never late my payments were made thru a 3rd party company from the dealership I made all payments and I have proof I disputed on credit report look like it was ok. I was denied a promotion due my credit was low due to fraudulent being reported and my credit card companies were now lower credit limits as I was be seen as risk when I pay my bills on time now this has cause undo stress financial loss of income as well as my credit taking a big hit. I consult with attorney whom told to try and handle it before doing intent to sue now it's doing the same thing again as its providing from getting new apartment and the embarrassment that comes along with this illegal reporting wrongful information.
Company Response:
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2018-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-15
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I use XXXX XXXX to frequently help with paying off old debts and when I looked to get an update it showed that my auto loan through Santander consumer balance increased by XXXX to my loan between the month of XXXX and XXXX, I purchased my vehicle at the end of XXXX and my first payment was due XX/XX/XXXX and I called trying to see why XXXX dollars was added to my loan and they just kept telling me my current balance and kept saying I wasn't charged an additional XXXX dollars even though I made my payment on the XX/XX/XXXX and was not late and the balance reflects the dis charge an extra XXXX dollars is this legal.
Company Response:
State: TX
Zip: 77523
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Thank you for taking the time to read this letter, and I hope your day is going well. Im writing because I noticed that my most recent credit report contains a late payment reported by Santander Consumer USA account # XXXX. I want you to know that I understand my financial obligations, and if it werent for Santander Consumer USA, Id have an excellent repayment record. I have been a satisfied customer of XXXX since XX/XX/2016. Their outstanding customer service is the reason Ive remained a loyal customer, and Ive always considered it a priority to make all payments on time by setting automatic payments. Unfortunately, I was not aware that XXXX had been bought out by Santander Consumer USA, due to being on military travel orders. I had no access to information about this transition as military members had no contact privileges while on training mission.Upon return from my training, I was notified of the transition and the late payment.I made it certain to pay my dues immediately upon notification. I am concerned about the repercussions of this occurrence as it has an impact on my credit score and hope that my consistency with all my previous payments is enough to prove my reliability. Your records will show that I had never been late with a payment until this unfortunate oversight, and I have been prompt with my payment since the situation was brought to my attention. I am planning to apply for Veterans Mortgage Loan and it has come to my attention that the missed payment on my record could impact my ability to qualify. I respectfully request that you apply a goodwill adjustment to remove the late payment from my file. Thank you very much for your consideration,
Company Response:
State: CA
Zip: 91205
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: CFPB COMPLAINT : This is to file a formal complain to CFPB against SATANDER CONSUMER USA XXXX. This is with regards to my account ref # XXXX. I would like to report this businesses UNFAIR BUSINESS PRACTICES including they LACK OF CUSTOMER SERVICE. Below are their violations : 1. CANCELLATION OF AUTOPAY/ACCOUNT MISHANDLING. I called Santander today XX/XX/2018 and Spoke to a representative named XXXX. He confirmed that the last auto payment was posted XX/XX/2018. He also confirmed that Santander cancelled the autopay because the payoff amount ( last payment ) is lower than the actual regular scheduled payment. Why would the cancel my autopay if the payoff amount is lower? I would have understood that they canceled my autopay if my payoff amount is higher than the designated payment amount, but this is not the case. Cant they just change the amount to what they payoff amount is instead of canceling my auto pay? This is definitely one of their Unfair Business Practices. 2. LACK OF CUSTOMER SERVICE. Santander did not notify me that they will be cancelling /disabling my autopay. When I called today and spoke to two different representatives. They said they normally do not send out notifications, or they dont notify clients about it. They confirmed that there are not notes on the system showing that I was notified about my autopay status. 3. DISPUTES SHOULD BE DONE BY SUBMITTING A DISPUTE TO THE CREDIT BUREAUS. Santander refused to help resolve the error they reported on my credit report. The rep I spoke with, said that I need to file a dispute to the credit bureaus first then the credit bureau will contact them. When I asked the rep why I can not file a dispute directly to them and why do I need to go to the credit bureaus, he just said that that is the process. Their credit department do not even have a phone or fax number. 4. SANTANDERS REFUSAL TO ACCEPT THE PAYMENT OVER THE PHONE. Attached to this complaint is a letter from my ACCOUNT MANAGER XXXX XXXX who manages this account and makes payment for this loan. As a matter of fact when I spoke to Santander rep today, they confirmed that they have her name showing on the account enrolled for the auto pay. The refused to assist her when she called Santander and refused to accept payment over the phone. Had Santander accepted the payment, then we will not end up with this situation and my credit file should have been damaged. Despite the fact that the damage on my credit report are due to their errors, they wont help. Their negligence and unfair business practices violates the California Credit Reporting Act due to missing late payment disclosure. They wont even accept a dispute and wont do anything to delete the incorrect and unfair late payment theyve reported. These facts are enough for me to file the SC100 ( see attached ) in 30 days and take this a step further if this issue will not be resolved here in the CFPB.
Company Response:
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A