Date Received: 2018-05-29
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I contacted Santander Consumer USA about my car loan on XX/XX/2018 to discuss a payment plan. I was denied. I explained that I was experiencing a loss of income and wanted to modify the loan. The Agent met with a supervisor and flat out denied to offer any assistance stating " there is nothing we can do '' I explained I could set up a payment for the next week but needed to look at the dates first. The agent went on to say the car was assigned and good luck. When we bought the car I was forced to purchase GAP insurance which I was told that the bank requires it. This extra monthly amount put the monthly loan higher than what I can afford. The Interest rate is excessive and I am paying XXXX per month for a car that is worth XXXX ( Owe XXXX ) thus upside down. I have been paying this loan for 3 years '' struggling '' with the payment. Santander refuses to help me and/or modify as I know is possible upon hardship circumstances which I am in. XXXX XXXX, the dealer I bought the car from spoke to me about 3 months ago and offered the same model car but a XXXX for XXXX per month which made me believe that something is wrong. I have tried to work with the bank and am willing to continue but I am not able to continue at this current rate or without assistance. Additionally, the bank is calling almost 10 times per day which is excessive and no correspondence has ever been sent. I believe that this loan is symptomatic of excessive interest, and the fact I was forced to buy GAP really is consumer preying. I am asking for help as this situation is causing credit issues and financially burdening and stressful but Santander seems that they will not help. I know notes can be modified for good cause yet they refuse. I am also upset that I was forced to add GAP by the bank because of the extra monthly expense. Can I please get some help with this matter?
Company Response:
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen in 2014 and accounts were obtained as a result of mu identity being stolen. I have contacted the company and informed them that the account did not belong to me yet they refuse to remove the account from my credit file. However the company as acknowledge that the account was opened due to identity theft and has placed a fraud alert concerning this account. they have sent several packets for my to fill out, sign and date, and have notorized as well as send in a police report concerning the identity theft from which I have done.I have disputed this account several times yet they keep responding back to me that it was verified, yes it is being verified under my social security number from which was stolen. hint hint ... .Identity Theft!!!!!
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-29
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On Tuesday XX/XX/XXXX en route to my office building, I was hit by another vehicle who ran a red light. At the scene, I was transported to the hospital for injuries and my insurance company XXXX immediately began No-Faults claim to my incident. XXXX has received a payoff letter from XXXX XXXX and the amount I owe is substantially more than what XXXX is offering. When I called XXXX XXXX, I spoke to a representative who was able to review my loan docs and stated that my application had to be returned because the GAP application was missing. Upon reviewing the document, I can tell it was completed by the dealer and signed by the dealer. The signature does not look authentic. In addition, the name used was " XXXX XXXX '' whereas all other documents concatained by government name XXXX XXXX. I am seeking help and retribution to the GAP Insurance that should have been included in my auto loan. This was not my first vehicle i've purchased. I believe the dealership may have done some evasive maneuvering to exclude this from my loan.
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2018-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The account was paid in full on XX/XX/XXXX however the account status with XXXX is still incorrectly shows charge-off. I have disputed this twice, the most recent updated on XX/XX/XXXX, and only the remarks have been updated to show account paid for less than full balance, paid charge off. I would like for XXXX to delete this misinformation from credit report or update it paid in full.
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2018-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I was waiting to get paid to pay my car payment, the company called I gave them a date to paid the rep I spoke was so rude says you need to think of something we need payment now, I advised needs 7 more days to make a payment, the rep says the vehicle is out for repossession by the rep telling me that I did not want to make a payment, so 1month later after that my vehicle was repossessed. The reps does not the the right to talk you a paying customer that way!
Company Response:
State: KS
Zip: 660XX
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Repossesion occured and payments due to company were made fromXX/XX/XXXX7. The car was not three months past due. They added more fees. I made multiple payments to those fees and the monthly note from my banking accout. I am still told That I owe repossesion fees late charges etc. I have my payment history which reflects I was current and have not sucrssfully resolved rhe matter. I have spiken to five supervisors. I reduse to pay anymore. My loan should be paid off on XX/XX/XXXX. Thw company has me owing a balance of over {$10000.00} still. They have not creditedbpayments correctly to my loans. They also add late charges when my due date is on the XX/XX/XXXX of each month. The company is Santander. I purchased the vehicle in XX/XX/XXXX. The interst rate was over charged to me with my credit score.
Company Response:
State: MS
Zip: 38801
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On Sunday XX/XX/2018, I had received notice from a XXXX XXXX that it was new inquiry was added on my XXXX report. I did not apply for anything with this company or gave anyone permission from that company to run my credit. I am not familiar with the company. The company is called XXXX XXXX. They ran my credit resulting in a hard inquiry being placed on my credit report.
Company Response:
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This account was originated with Santander USA in XXXX. This auto loan became a volunteer repossession in XX/XX/XXXX. The vehicle was sold and a dispute was honored and remaining balance after the sale of the vehicle was made with Santander USA. Santander USA updated my credit report and still reflects {$0.00} as of XX/XX/XXXX. This account was settled and closed out. I am now receiving harassing phone calls from a Debt Agency regarding a balance which has now impacted my credit majorly.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2018-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I applied for a loan from Santander and was approved on the XX/XX/XXXX. went to buy car on the XX/XX/XXXX. I was told that I had to use XXXX, so I went to XXXX and purchased a car. I received a bill of sale stating XXXX $ owed to XXXX. Then on the XX/XX/XXXX XXXX sent me a letter stating that I can't keep the car and I'm going to need to bring the car back or I'm going to be in default. How can i be in default before the first payment is due? Now they are suing me in civil court? Ive reached out to them and get nothing back. the car was repossessed and i went to go get my belongings from the car. Unfortunately i am in a financial situation that isn't that great. Mom has XXXX and father has stage XXXX XXXX XXXX. They wouldn't give me my belongings back. They stole everything in my car and wouldn't even have the decency to give me an itemized list. YOU SENT THE DOCUMENTS TO THE WRONG ADRESS ABOUT THE REPO. THEN FIRED THE PERSON ( XXXX ). IT WASNT MY LAST KNOW ADRESS My life has been adversely affected by what was supposed to be a seem-less transaction. i also was assaulted by the repossession agent that they sent on XX/XX/XXXX I PREVIOUSLY SENT IN A COMPLAINT AND THEY BRUSHED IT OFF TO SANTANDER. I NOW HAVE A LETTER FROM SANTANDER STATING THAT THEY WERE NEVER SENT THE PAPERWORK ON THE LOAN. Im tired of doing this. I didnt file an answer to your complaint so i can sue you when i find the attorney to take the case.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Loan with XXXX XXXXl for auto from 2014. Account was charged off unbeknown to myself until revealed in a credit report. Charge off occurred 10 mths before revealed that it was charged off. Payments were continued to be taken regularly through auto pay & through a rep. No representative from XXXX ever relayed that the account was in a charge off status. After the 10 mths, I let XXXX know I see that my account was charged off. Payment arrangements were made to get account out of default status. After 1 month of paying according to XXXX 's terms ( payments were satisfied, according to what they arranged ; this was a weekly payment of the total of car payment ), XXXX sends a letter of repossession to be made within a week after letter received. I am completely unsure why a repossession was placed on the vehicle, as their payment arrangements set were to be made to take the car out of default. Afterwards, I was set to make my regular monthly payments, as agreed upon. I now have a week to come up with some amount they have set, before repossession. But, I have met their previous terms. Not sure why a repossession is now in place. Just does not seem as if this process is going fairly.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A