Date Received: 2018-05-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander consumer usa XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX i have gotten a car loan from them on XX/XX/XXXX and still paying on this loan as of this day. i had one previous problem in my family where my husband had lost his job back in XX/XX/XXXX i explain this to them how ever they didn't care and still until this day still don't care about any one. ever sense then we haven't miss another payment after my husband got a good job so i kindly ask them to please remove those late payment from of our credit report. because we are in the process of buying a house. and its affecting us, unfortunately the answer was no. it should be illegal for a company like Santander to do this to there will paying clients it was a verse time in our life and they took advantage of the situation, i don't remember how many time we were late but on some the credit reports they are reporting 5 time and others 6
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I HAVE NO KNOWLEDGE OF THIS LOAN. UNABLE TO RECEIVE VERIFICATION -- - PROOF THAT THIS LOAN IS MINE I MADE SEVERAL REQUEST FOR DOCUMENTATION SOMETHING ANYTHING THAT PROVES THIS IS MY LOAN AND NOTHING HAPPENS, ON THE TELEPHONE THEY LAUGH AT ME AND HANG UP WHEN I WROTE LETTERS I GET NOT REPLY. IF THIS IS MY AUTO LOAN THEN I WOULD HAVE SIGNED SOMETHING.WHEN THIS LOAN WAS MADE I HAD NO DRIVER LICENSE. HOW CAN THIS BE I DONT KNOW WHAT TO DO ANYMORE IM TRYNG TO GET STUDENT LOAN TO GO BACK TO COLLEGE AND BEING DENIED STUDENT LOAN BECAUSE OF THIS FRAUD LOAN.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: This loan was for a XXXX XXXX boat. Early pay off of the loan was made in XX/XX/XXXX. Santander Bank informed us they sent the title to our home by US mail. We did not receive this piece of mail. Several calls were made, it was suggested that there was a mail delay due to the holidays. We waited until mid XXXX, nothing was sent. When I call their main number our account is no longer in their system and their automated system will not direct me to a person or any way to resolve our problem. I found a number for their title division which directed me to call a company called XXXX On XX/XX/XXXX XXXX agreed to pay {$30.00} to this secondary company to resolve the problem and have a new title sent within 7-10 business days. On XX/XX/XXXX they contacted her to say that her name did not appear on the title so she could not request this information, but they would not refund the money paid for their service. They recommended a letter stating that XXXX authorized XXXX to make this request. This has been done. At the time of this call this secondary company stated now that they could only provide a letter of lean satisfaction and not the title that was suggested. Santander should be providing this at no cost from the start so we feel cheated that they direct us to use this second company to get this information. We paid off this loan in XX/XX/XXXX with plans to sell this boat to an interested buyer, we are unable to do this due to Santander Bank 's blunder and now our buyer has gone else where. We paid the loan in good time and we expect our title.
Company Response:
State: FL
Zip: 32168
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: I went to purchase a car at XXXX XXXX in XXXX and was told by a sales associate after my credit report was ran that I was getting the car financed at 8 % with a payment of XXXX each month. When its time to sign papers with the finance manager he changed the contract to 11.6 % and a higher payment to XXXX. When I asked him why it changed he replied that it was because my payoff on my trade in was different from what the sales agent seen when it actually wasnt. They wrote a different payoff on my contract than they actually paid off, it is different. So they owe me money or my apr should have never been changed. Also when I asked the finance person why it changed he replied with didnt sales go over this with you
Company Response:
State: CA
Zip: 94551
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-29
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: The vehicle was inspected XX/XX/2018 and the tires were approved under New York State standards with only XXXX miles on the vehicle and tires. The following month, the vehicle was turned in to the XXXX XXXX XXXX for lease termination with still less than XXXX miles and a new XXXX was leased. Initially the end of lease inspection was cancelled as the vehicle was immaculate at turn in per the salesman. The dealership was going to buy it which eliminates a need for inspection. The dealership then decided not to purchase and the subsequent inspection was completed. The inspector deemed the tires as worn and a scuff on the rim equally {$720.00}. I feel that this is inaccurate and I feel the {$720.00} should be removed from my lease end invoice and responsibility. I have uploaded the invoice showing NYS inspection was completed without issue except for a bulb which I replaced.
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2018-04-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a XXXX XXXX XXXX Certified preowned XX/XX/XXXX After putting {$20000.00} down on the truck and {$24000.00} on XX/XX/XXXX of the same year, there have been some discrepancies oh my statements and no way to get a clear answer from XXXX XXXX licensed to XXXX XXXX by XXXX, now all of a sudden i have to send XXXX XXXX more than what should be sent according to the the Statement, I never got my Veteran discount that was promised to of {$500.00}, That finance deal does not calculate right, Plesse help me CFPB
Company Response:
State: CA
Zip: 93727
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have written and emailed Santander Consumer USA, THREE amount my car payment reporting late to All Three Credit Bureaus, for a total of 8 payments. Here are the dates of letters & emails that were sent ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This company is Notorious for not report on time, and not respond to communication with the consumer.
Company Response:
State: AR
Zip: 72204
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I reached out to my company on XX/XX/XXXX to defer a payment and I was not approved. I was advised I could make a lesser payment but because I made a partial payment in XX/XX/XXXX I would need to make a full car paymnet. I advsied the agent I only made on partial payment in XX/XX/XXXX prior to my vehicel being repossed and when I paid to get the vehicle back I covered that. I was then advised they cold send me my payment history. I looked at the payment history online as well as my bank statement showing I made a payment un XX/XX/XXXX( which covered XX/XX/XXXX ), a payment in XX/XX/XXXX ( which covered XX/XX/XXXX ) and a payment at the end of XX/XX/XXXX ( Which covered XX/XX/XXXX ). I was advsied they will open case # XXXX, and I should hear something within 72 hours. I called today and had the exact same conversation as I did last friday with no one calling me back and my loan continue to accure fradulent interest and fees.
Company Response:
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/XXXX, we went to XXXX XXXX XXXX in XXXX, Ms. and got a used car thru santander finance. they requested a securtiy deposit of XXXX and we complied, the contract was for 5 yrs. during time the car had to have serious motor helps etc, and caused us to be in financial pinch a few different months thru those five years, in which the insurance they had on car paid some defered payments, it was originally to be paid around XX/XX/XXXX but because of some defer payments i had to go to XX/XX/XXXX, Also during those months some of my work ( self employed ) dropped off considerably in which i told them this, my husband gets only ssI. The economy hurt me because no one needs a XXXX often. After my last payment in which a rep told me my last payment was in XX/XX/XXXX, and he was excited for me, i waited for my title all of XX/XX/XXXX and XX/XX/XXXX. then in XX/XX/XXXX got a statement that I still owed XXXX on the principal. You can never get to rep you originally talked to before and sometimes never noted your account that I called. I called about this and told them it was paid my contract in XX/XX/XXXX, they never denied that, just said you owe a payoff of the principal,. Now during this time also from XX/XX/XXXX to XX/XX/XXXX I purchased a car from my sister, and was repaying someone who loaned the money. I tried to negotiate with santander about my money situation and sent XXXX dollars in XX/XX/XXXX. and only XXXX and XXXX dollars every other week in XX/XX/XXXX. to end of XX/XX/XXXX. Even though I didn't feel I owe it, but didn't want to lose car after all that money and time vested for five years. I spoke to a rep around XX/XX/XXXX or XX/XX/XXXX an told hiim I would be making last payment on my other car and it would free up monies some to thro at those payments, by the way the bill in XX/XX/XXXX was for XXXX and there was no way out of XXXX and my XXXX I could pay that and keep insurance on home and both cars and during those winter months lite bill jumped from XXXX to XXXX, some very hard financial months, so XX/XX/XXXX at XXXX they had car reposessed, no one told us where it was, or anything, no order no paperwork nothing. I don't understand why if rep in XX/XX/XXXX knew I would owe more didn't tell me so I could make arrangement then, but nothing. Now car was to be sold today, and if not enough for what they want they will come for us on this difference.. Santander never tells the same thing or each rep always says We can't or can't, One rep said just give his initials and they would let me speak to him, I tried that and was told they can't do that. I did get a copy of contract and my payment history, I have never in the times of loans of anykind, pay a portion on principaland then on interest but only the principal had few dollars each month taken off, I thought once it was tabulated on contract signing day that the bottom line would receive all of payment, example one month XXXX sent in only XXXX or so on principle and rest on interest my principal wasn't moving at all down in number, its like being charged interest twice once in contract and once monthly, no wonder things got out of hand, I needed another 5 years to pay that part off, If known this at signing I would of said no way. I have learned that a place of auto sales in Ms. does there best not to let their consumers use Santander. They have had lawsuits and still some agains service men and more people like me with same complaints at end of contract told we owe more. Only call I got Tues was from XXXX in Reinstatement dept of Santander, but no one would connect me to her, told me If I want car back I had to pay XXXX plus over XXXX towing fee, I don't have that kind of money.I have contract and payment history, and bill about the XXXX. I would like to see Ms. not allow them to do business in this state for such bad dealings.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I lost a significant amount of money to a building contractor after which time I lost my job and had to file for bankruptcy. I needed to continue to work and needed a new car to make a daily out of state commute to work to pay off my bankruptcy ( I had no consumer debt, just had gotten behind on my mortgage -- I have never had any debt ). Santander Bank offered me a bank loan at a rate of 24 % which required I work 2-3 jobs to cover. At the time I took out the loan I told the car dealer that I would prefer to buy several junk cars if they wouldn't refinance the loan after I paid off my bankruptcy which I did working days/nights/weekends for 5 years. They told me they would. I reiterated that the car would have high mileage from my commute and constant work schedule and asked them to qualify again that they would. I was told yes. When my bankruptcy was paid off and I requested the refi, I was told they didn't refinance. The car cost {$14000.00} and after 5 years I still owed over $ XXXX. I went to other lenders but they all told me the mileage was too high. The car was repossessed in the middle of the night. I am XXXX, have worked for 45 years and have never had any kind of debt to warrant such a high interest rate it seems to me. I can not get to work without a car. I spoke to a representative at Santander who told me that they were well within their limits to ask for 24 % which I agreed had not been misrepresented, just the refinancing of such an outrageous amount of money. A class action lawsuit in the state of Massachusetts has successfully sued them and I am asking for my debt to this company to be dismissed and have been denied.
Company Response:
State: NH
Zip: 03104
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A