Date Received: 2018-08-06
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: The Vehicle was repo in XXXX Santander Consumer applied the repo fees and it increased the loan and the loan is almost XXXX for a XXXX car the representatives wont work weith m, e each time its someone bto threaten me about repo again and I also to make lower payments every week and it will be credited to my account as a note but thsat wont work either how to work with an company that wont give you a chance at all hardship fall upon some of us but i willing to try and make payments every week to get account caught up but the company wont work with you.what to do
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I applied for a car and it was approved but the car payment was {$800.00} a month. So, I never took possession of the car, or drove it off the car lot. I contacted them back and told them that I did not want the car. Well, they never told the finance company, and the finance sent them a check. So with that being said I received a bill from the loan company. The bill stated : Total Amount Due XXXX Account Number XXXX Due DateXX/XX/2081 CXXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX
Company Response:
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2018-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: In XX/XX/2018 I had my XXXX XXXX inspected prior to turning in the car at the end of the lease term. I was advised that except for the tires, the car was in very good condition. The inspector advised me to replace the tires with good used tires. I did this, and returned the car to the dealer. Two weeks later, I received a bill from XXXX with all the end of lease fees, as well as a {$400.00} charge for worn tires. I called XXXX and informed them that the tires had been replaced. They responded that they would take {$200.00} off the tire charge. Rather than argue, I agreed. They said they would issue a new bill and I told them I would pay when I received the bill. On or around XX/XX/2018 XXXX called again to ask for final payment. I informed them that I was waiting for the final adjusted bill that they had promised. I was being sent in the coming days. I told them I would pay the be promptly when I received it. On or around XX/XX/2018 XXXX again called asking for payment. I informed them again that I was waiting for the final bill, and that I would pay when this arrived. They said they would check on the bill. Today, XX/XX/2018, XXXX called again asking for the final payment. I told them that no bill had been received, can they please email this to me. They said this was not possible, but I could pay online. I hung up in frustration, went online, opened an online account ( to view my lease account ) and found that the final bill was not available on their website. I opened a chat session, which lasted approximately 45 minutes, during which time I was told to " hold on a minute '' several times. I was told that the account had been assigned to " Deficient Accounts '' and that they could not post any information to my online account. They informed me they would send the bill again, but they were only able to fax me a copy ( they could not email it to me, they could not post it to my online account - though I can see all of my other bills ). I asked them to XXXX me the bill so that I can be sure that it arrives. ( I do not want them reporting this as delinquent against my credit report ). I also told them that faxing was not possible ( I have not owned or worked in an office with a fax machine for 20 years ). XXXX responded by saying - despite the fact no final adjusted bill had ever been received - that they could only mail or fax it to me. They also told me that I could send them a check for the pending amount ( despite the fact that I could not see the detail associated with the final fees ).
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2018-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was recently called by Santander after they had called a family member, and discussed my debt to her. The mediator for Santander stated that he would find me, and I had a debt from over eight years ago that they would try and collect. They said my account was started back in XX/XX/XXXX, and XX/XX/XXXX. I have not paid anything to them, which would restart my account. I told them the debt is eight years old, he fought with me about the money owed, and I would be sued for the balance and lawyer fees. I did notice that Santander did check my credit report twice, which I do have screen shots of the dates, and has watched my account. The mediator stated they would serve me papers of a lawsuit against me if I didn't pay, and that I was becoming angry with him. I did not yell, become mean, or say anything negative towards him. The mediator did raise his voice, stating again, " I thought you would work with us, I will just look you up, and send papers to you for court. I tried to make this offer to you, but we will just serve you ''. I said, " That is fine, I did not become angry with you, I simply stated facts, and I will deal with this once you serve me ''. This is a debt from XX/XX/XXXX. Yes, I wish I didn't have to go into debt, but life happens. You lose jobs, family dies, and you are forced to move. This has made my days since then stressful, and I am constantly thinking about the rude man I talked to. I have researched the statue of limitations for this, which are six years, and seen that this was the website to seek protection against collection agencies that have no grounds from there penny on the dollar debt buys. Below are four files, two talking with legal aid, and the other two from my credit report showing Santander monitoring me for years ( XX/XX/XXXX, XX/XX/XXXX ). Hard inquiry into my credit report.
Company Response:
State: MO
Zip: 644XX
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have been disputing Santander Consumer reporting to my credit for the past coupl of months as they have been reporting the account as open and reporting a missed payment. The account was closed in XX/XX/XXXX/XX/XX/XXXX and shows a comment as charged off/written off on my report. However since XX/XX/XXXX they have been reporting again a missed payment and a open account. I have disputed with XXXX and they advised me all I could do was continue to dispute every time the report or open the account.
Company Response:
State: TN
Zip: 37921
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I leased a new XXXX XXXX XXXX on XX/XX/2018 from XXXX XXXX XXXX in XXXX, NC. I traded in a XXXX XXXX on that same day. The finance manager didnt tell me to stop payment on my XXXX XXXX that would run on XX/XX/XXXX. I figured that was not necessary because I was dealing with XXXX XXXX with both leases. After the payment did transfer on XX/XX/XXXX for the XXXX XXXX that I didnt own anymore I called XXXX to talk with them about this and make sure I would get a refund for that amount. They assured me it would be refunded. On XX/XX/2018 I called in to XXXX XXXX to set up an online account to make the payments come out automatically for my XXXX XXXX XXXX through our checking account. I set up the account, made the new payment for my XXXX XXXX and then asked about the status of the XX/XX/XXXX payment refund for the XXXX XXXX. I was told then that XXXX XXXX called in on XX/XX/XXXX to ask for a payoff on the car I traded on XX/XX/XXXX. They ( I assume XXXX XXXX ) back dated the payoff to XX/XX/XXXX ( for some reason ) and applied the payment that i had made on XX/XX/XXXX to the XXXX XXXX and then only paid off the amount of the XXXX XXXX minus the payment I made on XX/XX/XXXX and because of this I would not receive a refund for the XX/XX/XXXX payment because there was no overage. I asked why and they could not explain it. I have since called XXXX XXXX about 4 times and they have escalated it to the highest level ( they say ) to the office of consumer practices and they now try to Keep giving me good news that I am indeed getting my refund. I know that. I know that because it would have been illegal for them not to issue a refund for a payment i made on XX/XX/XXXX for a car that didnt own as of XX/XX/XXXX. Each time they say they will listen to the taped calls from XX/XX/XXXX of when I was told on XX/XX/XXXX that I was not going to get a refund and each time I call them or they call me there is never a reference to any note that I was told anything other than the fact that I was going to get a refund. I assume there is a cover up being attempted for providing wrong information. I keep telling them that Im going to report this and that it would be better if they explained that they made a mistake. The dealership doesnt care and neither does XXXX XXXX. Neither seems concerned that Im going to report this even though this is the 4th car I have bought from. XXXX. Im supposed to get a call back by the end of today from a manager in the department of consumer practices. I dont believe I will. And if I do it will probably be to assure me that Im going to get a refund. There is something wrong here and I want an explanation.
Company Response:
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I called said company regarding the multiple inquiries on my credit report and i was told to contact the credit bureaus regarding this issue that they could not do anything regarding this
Company Response:
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries
Company Response:
State: TX
Zip: 778XX
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I traded the car in question in on another and the new dealership did not pay the old car off in a timely fashion which made it look like I had paid the car payment and then it was completely paid off in full BY XXXX XXXX XXXX XXXX!!!!!! THIS WAS NOT AT FAULT OF MINE!!!!!!!
Company Response:
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-31
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I purchased a XXXX XXXX XXXX. In XX/XX/XXXX, I was hit from behind and my truck was totaled. I have GAP insurance. XXXX paid the claim and XXXX has been coming after me for the balance even though I have GAP insurance. They call several times per day to harass me. After being called treated like a liar and thief, I got the GAP insurance on the phone with XXXX XXXX and supposedly everything was resolved. XXXX XXXX was to send the requested information GAP was requesting and they would be able to pay the claim. GAP has paid, and XXXX is still coming after me for money, claiming that GAP didn't pay in full. NO WAY!!!! How is it possible that GAP did not fill the gap? I believe that XXXX XXXX purposely did not provide GAP Insurance with the requested information, so that they could continue to add interest and thus charge me. By the way, I paid GAP through my finance with XXXX and when it was time to collect, they ( XXXX ) quickly claimed it was a third party and had nothing to do with the company. REALLY??? Anything to XXXX people.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2018-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A