Date Received: 2018-05-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: On XX/XX/XXXX - My XXXX XXXX XXXX that was financed by Santander Consumer was repossessed by XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX - I contacted Santander and located XXXX XXXX XXXX XXXX who I paid {$65.00} to receive my belongings from the vehicle and turned in the third row seat for the XXXX that was located in my garage with the key. ( Encl 5 ) I received a notice from Santander with Sent Via Certified Mail located typed on the document dated XX/XX/XXXX of the intent to Sell Property ( Encl 4 ) I received an Explanatio of Calculation of Surplus or Deficiency dated XX/XX/XXXX from Santander Consumer ( Encl 7 ) On XX/XX/XXXX, I sent via Certified Mail # XXXX, a letter to Santander Consumer, that was received on XX/XX/XXXX ( Encl 1 ). A letter was also sent to XXXX XXXX XXXX via certified mail on XX/XX/XXXX, that was received on XX/XX/XXXX, ( Encl 2 ) requesting that they provide to me a copy of the Certified receipt for the " Right to Recover '' that was sent to me. The response from Santander dated XX/XX/XXXX, was received, however, a copy of the certified receipt was not attached. They only provided copies of the documents aforementioned as Encls 4 and 7. ( Encl 3 ) The responses received from XXXX XXXX XXXX are dated XX/XX/XXXX, which states that they were unable to substantiate the allegations in my dispute and if I had additional information or documentation please mail to them. ( Encl 6 ) An additional letter dated XX/XX/XXXX with 81 sheets of paper attached which includes all of the documents from the processing of the loan for the XXXX XXXX. The only pertinent documents in the paperwork are the aforementioned Encls 4 and 7. ( Encl 8 ) Santander Consumer failed to send me a certified copy or statutory overnight delivery per Georgia Code Title 10, Chapter 1, Article 2, XXXX Disposition of motor vehicle repossessed after default ; right to recover deficiency. I send a letter to Santander and the Collection Agency XXXX XXXX XXXX requesting this documentation, but neither were able to provide proper documents. Santander Consumer did create a letter with 'SENT VIA CERTIFIED MAIL '' in bold letters under the inside address, but this does not rise to level of documentation required by the Georgia Code mentioned above. The requirement is clearly set forth that the lender must send a certified " Right to Recover '' notice within 10 days of repossession. I asked for a copy of the signed and dated Notice of Assignment from Santander Consumer which they not their agent was able to provide.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have filed two complaints with documentation against Santander Consumer ( please refer to XXXX and XXXX ). Santander has not provided full and specific answers requested in the prior complaints, hence my current complaint. This process is a farce because Santander 's responses to CFPB complaints is not reviewed or evaluated by CFPB for accuracy and completeness. Thus, CFPB only serves as a point of contact for Santander and the complainant. Hardly helpful when Santander is a rogue organization flouting the law and good business practices. Therefore, in response to this complaint I request that Santander provide the correct department, address, etc. to whom they want a draft copy of a Federal Court Complaint to be delivered. This lawsuit will set forth the facts included in the two prior CFPB complaints, the responses by Santander, and the specific relief sought in the action. The response to this CFPB complaint will be included in the record of the pending Federal Court action. It is regrettable that the CFPB is not better equipped to protect the public from financial misdeeds by bad actors like Santander, whose record of abuse is well documented. This is just another instance which has not seen the light of day, but that will change.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hi. I have tried this once before, and if this doesn't help the second time I will take legal action angainst santander. Santander had an old account on my credit report that should have been deleted. As I do not check my credit since these companies are supposed to report accurately, I didn't know they had this older item on my credit. It caused me to be denied for several loans and rack up a lot of inquiries. When I finally found out what was going on, I had the incorrect item removed from my credit, but the inquiries that were left as a result were still present. When I attempted to resume my credit I was again constantly denied, and the main response was because I had too many recent inquiries. This is becoming a pain to deal with. Unfortunately for Santander I am not a poor man and have zero issue spending money for a lawyer and having them pay damages for the lost revenue I have suffered because of their mistake. After my last complaint they sent me a XXXX letter saying they had the right to pull my credit because I applied for a loan through their affiliation with lenders. That's understandable, but I wouldn't be getting denied if those inquiries didn't exist unnecessarily in the first place. I am allowing them the opportunity to correct the inquiries on my profile as they should before I take legal action. I have already retained my attorney and he is ready to move forward as soon as they issue another substandard reply to the situation they caused me with their inaccurate credit reporting practices. I hope there is a peaceful resolution to this as I am a business owner and pay my bills on time. I don't even have a doctor bill on my credit profile. But if not, there will be a resolution. I feel as though, and my attorney agrees, that inaccurate reporting should be resolved and also the issues that arose from the inaccurate reporting should be resolved along with it.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I attempted to purchase a vehicle from XXXX XXXX XXXX XX/XX/XXXX. I had been off work for 7 months and just received a permenent position so my payment history was not good. I was asked to have my sister co-sign for me. I initially receieved word that her credit was good and I wopuld have no problems, then the dealership came back and said they would need more money from me. They structured the loan not as having my suster as a co-signer but as the lead on the loan and me as the co-borrower, thus driving up the interest rate on the loan. They got the loan approved with Santander Bank at 19.28 % interest. There was a lot of deception on the part of the dealer, they over charged for services I did not ask for : {$1700.00} Service Contract, {$750.00} Gap Insurance, {$500.00} Random Dealer Fee and {$350.00} for a Pinstripe that was never requested and never installed. I fought for over a year to have the funds refunded and finally fgot the dealer to refund the total {$3300.00} for the over-charge. The dealer sent a check to Santander Bank on XX/XX/XXXX. The check was applied XX/XX/XXXX. I called in prior to the heck being sent and was told that I could apply part of the refund to my payments to get me caught up. I called in XX/XX/XXXX and was told although all debt goes to the principal, I can not credt anythign to my past due payments. I was the one who fought for the refund and I should be able to use the funds to pay fopr my vehcile payments and get caught up. They are charging me late fees on top of the exhorbitant interest rate of 19.28 % and our talking about repossesing my vehicle.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: At the end of XX/XX/XXXX ( XX/XX/XXXX I believe ) I went to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, TX XXXX- ( XXXX ) XXXX ) and I dealt with XXXX , one of the salesman. I explained to them that I had another 4-5 months left on my XXXX XXXX XXXX and that I was interested in looking at a new XXXX XXXX XXXX, but in order to do the deal they needed to pay off the remaining lease payments for my truck. We ended up coming to an agreement where they would pay my truck off and I would lease the new XXXX XXXX XXXX XXXX or at least I thought that was the case. I got the XXXX but about a month later, XXXX XXXX called me saying that I was delinquent on my lease payment for my XXXX XXXX. I explained to them that I did not even have the truck anymore and gave them XXXX XXXX 's information. I didn't think anything of it until I received another call a few weeks to a month later saying the same thing. I then got worried and started to call XXXX XXXX. They could not get me any answers and they kept saying someone would get in touch with me that they are looking into it. I kept texting XXXX and calling him, but got the same answers ( I have the text messages ). It wasn't until I refused to talk to the sales team and asked to speak to the general manager that I found out that both the General Manager ( who I dealt with ) and the Finance person ( who I also dealt with ) had been fired and they lost my deal/lease information and didn't pay off my car as promised. After finally getting to talk to the acting General Manager/Manager, they finally got to the bottom of it and had their corporate team cut a check. The reason I am emailing today is because it is already too late, my credit has sunk nearly 200 points and says it is now poor when it was very good. I need your help in correcting this. Please let me know if you need to see the text messages as backup
Company Response:
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Santander has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Company Response:
State: MT
Zip: 593XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I FILED A DISPUTE CONCERNING INACCURACIES IN THE ( SANTANDER ) ACCOUNT THAT'S ON ALL 3 OF MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). THEY ARE REPORTING A BALANCE OF {$6100.00}. AFTER GOING OVER THE BREAK DOWN OF WHAT ( SANTANDER ) SENT TO ( CFPB ) ALL 3 CRA 'S AND ME I NOTICED THEY ADDED {$1300.00} TO THE {$4800.00} CHARGED OFF BALANCE. IT SAYS FOR AUCTION FEES, STORAGE, ETC ETC ... I WAS NEVER NOTIFIED ABOUT ANY AUCTION AND BY GEORGIA LAW I SHOULD HAVE BEEN NOTIFIED BY ( MAIL, PHONE, OR EMAIL ). THEY NEVER COMPLIED WITH EITH NOTICE REQUIREMENTS OF MY RIGHT TO CURE OR OF THE SALE OF THE VEHICLE.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX in XX/XX/XXXX. {$1000.00} deposit was placed to purchase the vehicle. Received a loan with XXXX XXXX at 19 % interest rate for 60 months. For a principal balance of about {$17000.00} with a monthly payment of {$470.00}. In XXXX of XXXX I was injured. I was out of work for 4 yrs.Due to this fact I went through some financial setback. Made payments during this time but payments were late or I couldnt pay. I contacted XXXX XXXX 4 times during the 4 yrs and payments was placed on the back of the loan. This extended my loan another year. Around the end of XX/XX/XXXX my car was repossessed by XXXX XXXX. I made a payment to them on XX/XX/XXXX {$2800.00} and got my car. Ive been making payments ever since. Never got any notification my loan was being switched. Until I got a notice from Santander Consumer USA demanding payment, in XX/XX/XXXX. Made a call in XX/XX/XXXX to get a payoff and was told I owed {$13000.00}. I asked how could this be? My loan is due to mature by the end of the year. Thats when I found out my interest rate was now 21 % and that my loan had not decreased much since paying it. Got a copy of my report during that time and discovered my loan had been charged off, since XX/XX/XXXX. During this time Ive been making payments up until XX/XX/XXXX. Called Santander they said it wont hurt me they have it documented Im making payments. I said not so because my payoff amount is not reflecting my payments. At that time I told them Im not making no more payments. My loan should be almost paid off and its not.
Company Response:
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Santander USA is reporting I owe {$11000.00}. I never owned a vehicle with them or had a loan. However, I do share the same name/address with my father. XXXX & XXXX verified ; showing it isn't my debt. I've written XXXX over 8 times regarding this matter, but they haven't verified this account is mine. PLEASE HELP.
Company Response:
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2018-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A