Date Received: 2018-04-26
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santander has overcharged me fees on my loan. Charged me fees to pay for my loan online. When I filed a motion to the court under bankruptcy protection they provided a contract that did not belong to me and tila disclosure I did not sign. When we were to go to the hearing to object on the issue they repossessed my vehicle illegally with unlicensed agent in an unmarked vehicle the night before the hearing so I could not show up to the hearing. A violation of any law no matter how minimal eliminates the right to self-help repossession. I believe GAP coverage was added without my consent and authorization. Santander charged me a high-interest loan over what is allowed by law. Several states have already settled lawsuits on the same matters I have mentioned here. I am requesting that the matter be settled here and my vehicle returned my outstanding loan paid off as part of a mutual agreement. The vehicle has already been charged off. I will seek a class action and contact the attorney general to further address these issues and write a formal complaint if my situation is not rectified immediately. I will contact any and all state and federal regulators to further investigate the facts I have presented here.
Company Response:
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander USA reported my Auto loan balance as having increased by {$160.00} between XX/XX/XXXX and XX/XX/XXXX which contributed to my score falling by 92 points. This could not have been possible as my payments for that period were all made on-time. Santander USA also reported 1 missed payment which is not accurate.
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XX/XX/XXXX a vehicle was purchased through XXXX XXXX. I lost my job in XX/XX/XXXX due to a XXXX XXXX XXXX. The vehicle was pulled out of my grandmother 's yard leaving prints. The car was then sold. I then saw on my credit file that a little one XXXX was owed. It then went up to XXXX and now over 20k yet it shows charge off/profit/loss on my credit file yet this amount still keeps growing. If this is a charge off how can the amount keep growing with no vehicle. Plus this company keeps re aging and showing up as if it is current.
Company Response:
State: NC
Zip: 27889
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: I have been disproportionately have been affected as a person of XXXX by the lending practices of XXXX XXXX XXXX XXXX XXXX XXXX through receiving higher than and to a greater degree interest mark up comparatively to my XXXX counterparts in getting the title loan.
Company Response:
State: CT
Zip: 06610
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I purchased a XXXX XXXX XXXX in XXXX of XXXX due to my other car being totaled in water damage. Me and my wife moved last year and the XXXX XXXX was totaled by negligence due to the moving company hitting it with their moving truck.contact XXXX XXXX and told them I wanted to do a voluntary repossession because The car was totaled and the moving company was suppose to pay for it .They at that point decided to tell me they could put my current balance due on hold until the moving company got the car repaired But I declined, cause the problem would still be there. So we processed the voluntarily repossession. I was told that they would sell the vehicle and the moving company will be responsible for the remaining balance. Which I okayed because I figured the care would be sold for the most of what was owed since it was still new and had very little miles on it. What I was not told was that if I failed to pay the difference it would still accumulate late fees, more payments, and affect my credit. When I surrendered the vehicle, I knew that I had a balance left that was roughly {$28000.00} Which no payments were behind I was not under the impression that they would report negative information to the credit bureaus like I still own the vehicle and was just refusing to pay. My monthly payments for this loan was { {$660.00} when they sold the car in XXXX the balance left was {$1000.00} Ever since then they have been reporting negative information to my credit report such as a refusal to pay and accumulate monthly charges as if I own this vehicle. They have not called or sent any communication through the mail to me to try and settle this debt to a point where we both are satisfied. If a settlement offer does come around, I will not agree to no more than what debt I left unpaid when the car was picked up.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had a previous error on my credit that I was unaware of. I only discovered this error after being denied several times for loans. I had that issue resolved, but the resulting inquiries are still on my credit and have done nothing but cause more denials in credit since excessive inquiries hurt quite a bit. As a business owner I can't have these issues, especially since they are a result of a previous mistake. And the process to contest inquiries is made nearly impossible by the credit bureaus system. Thank you.
Company Response:
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: ON XX/XX/XXXX, I FINANCED A VEHICLE FROM A NOW CLOSED AUTO DEALERSHIP NAMED XXXX LOCATED IN XXXX, FL. THE VEHICLE, A XXXX XXXX XXXX PRICED AT ROUGHLY {$16000.00}. I SAT WITH AN AGENT, DISCUSSED THE TERMS AND FINALLY CAME UP WITH A PAYMENT AMOUNT THAT INCLUDED GAP INSURANCE AT ROUGHLY {$430.00} PER MONTH FOR 72 MONTHS TOTALING TO {$30.00}, XXXX ROUGHLY WITH AN INTEREST RATE OF OVER 20 %. FROM XX/XX/XXXX-XX/XX/XXXX I MADE ON TIME PAYMENTS TO THIS BANK FOR THE VEHICLE. ON XX/XX/XXXX I WAS REAR ENDED BY ANOTHER VEHICLE CAUSING MY VEHICLE TO BE DECLARED A TOTAL LOSS. WITHIN THE NEXT FEW MONTHS, BY XX/XX/XXXX, THE VEHICLE WAS ASSESSED BY THE INSURANCE COMPANY AND VALUED AT ROUGHLY {$15000.00} AND THE PAYMENT WAS MADE TO THE BANK. FROM, THERE MY GAP INSURANCE WAS DUE TO PICK UP THE REMAINDER AMOUNT OF THE LOAN IF ANY. FROM XX/XX/XXXX - CURRENTLY, SANTANDER CONSUMER IS REPORTING A PAST DUE AMOUNT ON THE VEHICLE WHEN INDEED FOR A FACT THIS VEHICLE WAS PURCHASED WITH GAP INSURANCE TO COVER. THE PAST DUE AMOUNTS HAVE FLUCTUATED PREVIOUSLY ON CREDIT REPORTS FROM {$6700.00} DOWN TO {$5900.00}. THIS COMPANY HAS BEEN REPORTING INACCURACIES AND HAS BEEN VERY HARMFUL TO MY CREDIT STANDING. THIS VEHICLE SHOWS AS A REPOSSESSION TO CREDITORS AND IT IS NOT!
Company Response:
State: FL
Zip: 33444
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I had got a car loan with a company called Santander USA. I had asked for advancement on my loan because i had to relocate to an apartment they gave me a month then the company said i would have to pay in 30 days. So i did that then. They turn around and tryed to charge me interest. Then i made double payments in the same month and none went to the pricipal. Then they told me i owed them XXXX dollars off of one payment of additaional intrest then they caimed to the intrest.. I called to work things out they told me they were going to repo your truck then they said your 2 months behind then i asked why hasnt anything been appiled to the pricaiopal payment. there answer was you owe XXXX dollars. Im sending in regrads please help. that this is clearly predatory leading.
Company Response:
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: To whom it may concern ; How can you stop these letters from coming
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account was paid in full with NO discount. We actually were supposed to be refunded apprx {$500.00} because we over paid. This was not a charge off of {$3100.00} and again it was not a charge off of {$10000.00}. There was NEVER a balance owing of {$450.00}. We completed the final HUD-1 statement, there was a credit that should have went to us and this account was paid in full in apprx. XX/XX/XXXX NOT XX/XX/XXXX when we alerted them that there was a NEGATIVE mark on our credit report. Since we reported this they have acted as if they didn't owe us any money, the made sure to put MORE negative marks on ALL three credit bureaus with the big finish on XXXX saying that they " settled less than full balance ''. This is FRAUD! PURE FRAUDULENT actions since I notified them in XX/XX/XXXX and it is becoming more comical by the day and someone at Santander should be held account for this fraud. They also sent us some useless closing statements that are used at the beginning of the transaction with a back dated date and wanted me to sign them. HA! This car loan was paid off in a timely manner, paid in full with no discount and they have lied about almost everything along the way. They owe us {$500.00} plus interest from XX/XX/XXXX. We would be happy with the money and FIX/CORRECT our credit report. I also feel XXXX, XXXX and XXXX should have some blame as well because dates and amounts don't line up and XXXX was perfect and just recently changed to show the worst and dropped my score by 40 points. They appear to let Santander type in ANYTHING they want without any documentation or reason. Please investigate Santander Consumer USA for FRAUD..
Company Response:
State: CA
Zip: 92629
Submitted Via: Web
Date Sent: 2018-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A