Date Received: 2018-07-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a car in XX/XX/XXXXand refinanced with another company ( Santander ) in XX/XX/XXXX. The company added XXXX on top of the loan, didn't give me a copy of the paperwork and once I paid that off most of my monthly payments go towards fees for the company and not the car. I owed roughly 12,900 and only about 1,000 per year has gone towards paying off the car. I have now had the car 6 years, 5 years with the new company and still owe XXXX.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Started receiving phone calls from someone named XXXX, XXXX left a message threatening to show up at my work and I must have my supervisor present so they can serve me papers. Received 4 calls in a row on XX/XX/18 no message left, I called back XXXX answered never identified his company or that he was trying to collect a debt. He started to ask me personal information ie. SS # and to verify my name. I informed him I was not comfortable doing so not knowing what this is about, he transferred me to a XXXX XXXX which informed me that they have been trying to service me with documents in regards to a debt, she also never recited the fair debt collection phrase. She told me they were trying to serve me with a court date but didn't have a court date but said they have been trying to serve me for a while now but could only provide one date as of XX/XX/18. I asked XXXX if she could mail me the information because I don't see anything showing at XXXX for any court date or request for judgment against me she informed me she couldn't send me anything but could have an apt set up to have her carryer service come back out to see me. I informed her they are not to show up to my work. I ended with telling her I would look into my rights and get back to her.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-18
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: loan keep being extended. i tried ask why keep getting run around.i feel i paid extra 12 months when my loan contract said i would be done XX/XX/2016 i keep being charged
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a letter certified mail to Santander main office Santander Consumer USA Inc. XXXX. XXXX XXXX XXXX XXXX, TX XXXX a little over a month ago requesting them to Please furnish me with direct proof that this repossession was done in a legal and proper manner, including notification of deficiency, Repossession Company used, redemption notice, and proof that they allowed me to access my personal property and plates off of the vehicle. Per the documentation required under Texas Motor Vehicle Finance and UCC statutes. The car was cleaned out and my belongings was placed in black trash bags before I could have access in the car I had items missing & I never received my license plate. I haven't heard anything back from anyone I listed my cell number and also my mailing address. Instead someone remove the balance that was owed to XXXX in the letter I requested that they take the necessary steps to ensure any critical information on my credit is deleted and purged from my credit reports.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: they repossed my car after I made a deal with him, and they promisse because I am making a large long sum every month. but few days later they sayid they called on 2 numbers that I don't know where where they came from trying to reach when they have my cell number on file to thell they ned a payment. I forgot to nention the only option they gave me is to make the payments through them only
Company Response:
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I recently financed a new vehicle and was aware of the companies that would pull my credit report. However there are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX XXXX XXXX SANTANDER CONSUMER USA Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX There are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX
Company Response:
State: MI
Zip: 48081
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-17
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: In XX/XX/2016 my daughter and I purchased a XXXX XXXX XXXX XXXX from a dealer in Nevada. WE were never allowed to test drive the unit but were told that what we wanted was there. Had to have rear air, I am XXXX now and XXXX when we left with the car I ended up in the XXXX that night so nothing was checked. They had the other car the keys were turned over to them. We did not find out until we had to go to XXXX that there was no rear air in the car. It was so hot and we had our service dogs in the back. It was so hard on them to the extent we almost lost XXXX of them and then the car broke down half way there. I had my daughter put on it on XXXX and the car was replaced with what we were told was there. We signed papers once again that everything was ok. Then we ended up a third time having to sign papers once more. All this time they had our old car in there possession. Then 3 month later we find out it was not a trade it was a repo. We have never had a repo on our records ever. We have once again put them on XXXX. The managers states if we go back to Nevada he will get us a car but I am very afraid of this man and what they have done. I can't go back so we tried to get a XXXX that will help my daughter get the my scooter in the car and also have the service dogs with us safe. The way it is now it is an Issue. She is XXXX and cares for me did not put me in a home she is always there. Because of all of this we lived in the car for 8 months sleeping sitting up. ended up in the hospital and she slept in the cold outside of my hospital bed room. The XXXX we need is very important to our survival. Plus they should not be allowed to cheat the elderly like they did us now it is hot and really uncomfortable I will post this any place I can. We are good people and do not deserve this. I have sold or given away everything I have my moms chair and my bed that I have had since I was XXXX XXXX XXXX. Throwing more and more out just trying to get the XXXX that will help us survive. Thank you XXXX XXXX XXXX
Company Response:
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hey I have a problem with Santander consumer usa, They came and got my car on XX/XX/2017. I tried to make arrangements to get my car back but they wouldn't work with me. They took my car I had for 5yrs paying XXXX a month the car was paid for. They never let me know where to pick up my belongings in the car and I had my license plate on the car. They never sent me a letter telling me where I could come to the Auction to buy my car back. Santander still has on my credit report that im late every month for a car I dont have. They have different amounts that I owe XXXX for XXXX and XXXX for XXXX, XXXX for XXXX. If they sold my car how come the amount is still high? I gave them over 28,000 over 5yrs the car was pa I d for when they came and got it. I want Santander to remove this account from my credit report!!!! This account is lowering my credit score and I cant get another car and their reporting wrong information on my account. I want them to pay for my car that they too from me and pay for my license plate.
Company Response:
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-15
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I went into a car dealer they sold me a loan on a loan to fix my credit. They never discussed with me that it was a high interest rate that in four years I would only have paid {$40.00} in principle over a 4 year period of time. 99 % of my payments have went to interest. Leaving the value of the car 300 % of the loan. Which is forcing me to consider bankruptcy. I consider their fraudulent and high pressure tactics a violation of my consumer rights. Purchased vehicle on XX/XX/2014 for XXXX still owe XXXX monthly payments are XXXX. The name of the finance company is santander consumer USA
Company Response:
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2018-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-14
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX repo man came and stopped by the house and was told they were going to take the car, and I said I was actually on my way to go make a payment so he called it in to the company and had agreed to go make a payment, I sent a payment of {$700.00} on XX/XX/XXXX thru XXXX XXXX as they messed up my bank by trying to charge it twice. So I sent my payment and exactly today I checked XXXX XXXX and it says I my account with Santander has been charged off, checked the money transfer and they never collected the money. Ive already spoken with them before that I will try my best to make atleast 2 payments in a month till Im caught up. But is it even worth it? I financed a used XXXX XXXX fo {$15000.00} and I haven been paying on time for the past 2 years till Hit rock bottom recently. Ive been paying {$420.00} a month for two years and a haof ( $ 10,000+ ), and the car pay off is {$17000.00} and the car now is only worth {$3000.00}. Santander has been a huge burden, they harass you with calls atleast 12x day some of them is at XXXX XXXX or even late at night, they have harassed my boss to the point that she asked them to removed her from call list. why does satander punish people who has low credit score cause theyve never had any history credit and make them pay 5x the amount owned? Then push you till youve hit rock bottom?
Company Response:
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2018-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A