Date Received: 2018-07-05
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: I purchased a vehicle XX/XX/XXXX in which Santander was the loan company with an interest rate of 24.9 %. I voluntarily told them to pick up the vehicle in XX/XX/XXXX because my loan payments were never applied correctly and my balance never went down. I would be paying $ XXXX for a car worth $ XXXX. It took months for them to finally pick up the car and then they lied on my credit report saying it was an involuntary repossession. They balance due after them selling the car was around $ 7K. They have continued to put an additional amount on my credit report every month since XX/XX/XXXX, between {$400.00} - {$500.00} at a time. It has hurt my credit as it is the only negative item I have. On my credit report, it says it's a closed account however, the keep adding money to my credit report every month. I am unable to refinance my current car loan or even trade in my current car because of this nonsense. Today, my credit report says the NEGATIVE ACCOUNT WILL STAY ON MY CREDIT UNTIL XX/XX/XXXX. How is this even legal?
Company Response:
State: TN
Zip: 37934
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: This is the history that was made to my account on XX/XX/XXXX I made a payment for {$430.00} and {$170.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$410.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$270.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$240.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$330.00} went to the interest, XX/XX/XXXX I made a payment of {$430.00} and {$280.00} went to the interest. The interest was just extremely high it keep increasing every month. I had to leave this bank immediately. However all my payments were made and is in good standing. I would not recommend this bank to no one. I still have a large balance on this loan like I never paid.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a car loan for several years and the interest they charged had me owing almost the same amount getting no where paying {$400.00} a month several years. I was in an XXXX marriage and he forced me to give the car back so I did. I returned the car about 6 years ago. They called harassing me for one year and then decided to take me to court. I was unable to get to court and lost. They tried to garnish my wages and I showed the judge I was very poor so he denied them that. My problem is on my credit report they show it just happened 2 years ago. I have been trying to fix my credit after losing everything but I can't even buy a car because it looks like it recently happened. I have court papers from when they finally took me to court saying that was XX/XX/2014 but I don't have anything to prove its been 6 years. Either way they are out to hurt me anyway by reporting it the way they do. I called once and the person laughed and said next time you will think twice before not paying your debt. I never would have not paid had I been able to pay the loan however I never got anywhere after 3 years. Is there anything I can do or a way to at least have them report it correctly? If not I am not sure how I can ever fix my credit.
Company Response:
State: WI
Zip: 54952
Submitted Via: Web
Date Sent: 2018-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: XXXX XXXX financed my vehicle in XXXX for 72 months for {$26000.00}, in XXXX I still owe {$21000.00}. I requested copies of my loan documents for this vehicle from the Dealer because XXXX told me to contact dealer for my documents. Dealer told me they cant lay hands on my documents. I have paid this note since XXXX but I still owe {$21000.00}. I believe there is something wrong with my fiancing but XXXX is in no way able to assist me with this. I on time with my payments but I feel I have paid too much and Im being ripped off. I recently tried to trade this vehicle in but no one will take this vehicle because the current value is {$5000.00} to {$6000.00} Ive been having problems with this vehicle and have reported it several times to the XXXX but all avenues have failed. The particular model has been discontinued due to problems they have had with this vehicle model ( XXXX ) I want XXXX XXXXXXXX to give me all my loan documents and explain to me why my balance is still {$21000.00}. Even if I missed 1 year of payment, shouldnt I be left with a couple of years to pay off. One Car dealership drew my attention to this and i need to get to the bottom of it. The vehicle is a lemon vehicle, it has given me problems since we bought it. There is a recurring problem XXXX dealers can not fix. They have deliberately sent me to the dealership over 10 time assuming to get it fixed and each time it comes back same. some of these dealership visits have taken over 3 months to get engineers take a look at the vehicle. we have had too much to deal with
Company Response:
State: IL
Zip: 60585
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: My complaint is concerning the illegal ongoing acceptable practices of the Santander Consumer USA Company based in the state of Texas and lead by CEO XXXX XXXX. To date, they have been able to operate this business through deceptive practices. I am asking you to not only investigate but to do something that will conclude in results. After sending my Letter of Dispute via certified mail ( Exhibits 1 & 1B ), I received a copy of the contract, listing of payments & notice of repossession XXXX Exhibits 2,3 & 4 ). Nowhere in the package did Santander Consumer provide me with a Certified Return Receipt copy of the Discretionary Notice, Required Notice after repossession nor Final Notification Notice. They deceptively did not include this, even though it was a part of my dispute and request, because they originally never sent it and I indeed never received it nor signed for anything from Santander Consumer regarding this issue. To further their deception and to add insult to injury, they fallaciously included a copy of a notice of repossession dated XX/XX/XXXX ( Exhibit 3 ) in which I had never received. This was an after the fact vindictive ploy to discredit my name. This is the first that I have ever viewed this document. To display that they have no respect for following instructions, in the conclusion of my letter to them I instructed, Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. Even in this, they defiantly dismissed my request and phoned me on Friday, XX/XX/XXXX at XXXX XXXX and Monday XX/XX/XXXX at XXXX XXXX. This displays lack of professionalism as well as total disregard to my written request. The deceptive practices of this company is not limited to a certain region but in fact has been noised abroad. The internet is inundated with complaints about the business and financial practices of this company and no one in Government Authority seems to address it. The outlandish and extremely bizarre practices of this company are publically documented for your viewing at the States Attorney Office, XXXX XXXX XXXX, XXXX XXXX, FTC, as well as your own site the CFPB. Additional sites for your viewing as evidence such as : XXXX XXXX XXXX XXXX XXXX XXXX https : //santander-consumer-usa.pissedconsumer.com/review.html XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX It is evidenced that this company makes its profits by pure deception and violating state laws. They thrive on ruining the credit of consumers at will. I will not fall victim to their prey. This practice must cease and desist immediately. They have absolutely no regard for the Laws of the State and taunt anyone to challenge them. As defined below, they have blatantly violated Maryland State Laws with regard to the proper procedures for their claim. Therefore, there claim should be indicated as null and void and all of my personal credit reports should immediately reflect this fact. I am raising this complaint to your level in anticipation that you will resolve this chaotic atrocity. Please see the brief law regarding the repossession procedures for Maryland below : 2010 Maryland Code COMMERCIAL LAW TITLE 12 - CREDIT REGULATIONS Subtitle 10 - Credit Grantor Closed End Credit Provisions Section XXXX1021 - Repossession. 12-1021. Repossession. State of Maryland Auto Repossession Laws Pre-Repossession Notices Lenders attempting a repossession must strictly comply with state laws before they can legally take your vehicle. The required notices include : Notice to Buyers : Youre entitled to an official statement of your rights, as well as a copy of the sales contract covering the purchase of your vehicle and financing terms. The document must also include a notification that you have the right to pay the full loan amount in advance. Discretionary Notice : This notice will inform you of the delinquent amount and state the lenders intent to repossess the vehicle under the terms of your loan. It will also include the repossession date and itemized costs for towing and storage. While the Discretionary Notice isnt required, a creditor will usually provide one because it allows for recovery of repossession fees. This notice must be delivered at least 10 days prior to taking your car. All signers on the loan need to be served by certified or registered mail. If the creditor fails to do this, you are absolved of the responsibility for repossession fees. Notices Required After Repossession Even after repossessing your vehicle, the lender cant immediately turn around and sell it. The creditor must send you a Required Notice by certified or registered mail, reminding you about your rights to redeem the car ; it will also cover details about the location of the car and circumstances of resell. The lender must keep your vehicle for at least 15 days following delivery of this notice, and not attempt to sell it. Maryland State law also requires the lender to send a Final Notification to Borrower via certified mail 10 days prior to selling it.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2018-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX XXXX ( 3rd party ) Original debt was with Santander for {$14.00}, XXXX and we don't agree with that amt. XXXX XXXX XXXX called on XXXX ( first time hearing from them ) and threatened to send Summons if we did not arrange a settlement, but I do not have a contract with them.
Company Response:
State: GA
Zip: 31326
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-03
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchased a car through Chrysler Capital on XX/XX/XXXX. The Car was inoperable just weeks after purchase. There were repeated break downs of the vehicle and being unable to pay the monthly note and repairs. I appealed to Chrysler Capital about my situation. They offered me extensions, and deferred payments plans. I took them out of desperation. Along with this offer I did not receive the required disclosures explaining the terms, costs, fees, interest, associated with the deferred payment and extension plans, in itemized detail. The disclosure I received from Chrysler Capital did not consist of this type of information. I would not have consented, had I been warned of the risks involved. There is an outstanding balance due to this. The vehicle is faulty. There was a recall for the ignition switch. I have problems repeatedly with the parts that connect with the ignition. This is a case of miss selling and usury. I'm totally dissatisfied with this vehicle. I feel as though my civil rights has been violated according to the TILA Act. Interest will continue to accrue on the remaining balance. My initial maturity date was XX/XX/XXXX. Chrysler Capital stated that I would have finished paying for the vehicle had I not utilized their deferred payment and extension plans. I am seeking relief from the outstanding balance.
Company Response:
State: IL
Zip: 60609
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted a fraud affidavit to Santander after discovering that my credit was used to purchase a vehicle. This was submitted to them via certified mail on XX/XX/18. Over the next couple of weeks, I continued to contact them via the phone to get an update on what the status of this fraud claim was. I was only able to get a hold of someone once during multiple attempts at contact. During this one contact I was informed a police report would possibly be needed, but I will get confirmation of this within a couple of days. After more days of waiting I submitted a police report via certified mail on XX/XX/18. I continued to contact Santander at least once every two business days, leaving a total of five voice mails on their fraud department lines, where I would always be redirected upon calling and entering my personal information. Later, on XX/XX/18, I received notice from Santander that my claim will be closed as they have determined to not have enough evidence needed to process my claim. This has led me here, to file a formal complaint, as I have done above and beyond the legal requirements to have this fraudulent activity removed from my account.
Company Response:
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2018-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The number XXXX called my personal cell phone asking for " XXXX and XXXX '' who are my brother and sister in law. I asked who was calling and the woman on the line refused to answer my question. Not only did she refuse to identify herself and refuse to tell me how she got my number, she simply said " we use whatever means we can to find people. '' I am a lawyer, but not an expert in the FDCPA, but it seems to me that the FDCPA shouldn't permit every XXXX in America to call my phone because I might be tangentially related to someone who owes them a debt. Apparently ( based on XXXX ) this is Santander auto loans and this is not the first time they've pulled XXXX like this.
Company Response:
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2018-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-29
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: My vehicle was repossessed despite making payments on the loan. In fact my vehicle was repossessed just days ( no even a week ) after my last payment. They have unfair and predatory practices aimed at ripping off consumers. I was offered a loan extension but it was withdrawn without my input and claim ( according to email ) that " I no longer was interested '' in the loan extension, after which they quickly charged off the debt. Their practices are predatory, their communications are misleading, and the entire business model unethical.
Company Response:
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2018-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A