Date Received: 2018-04-25
Issue: Struggling to pay your loan
Subissue: Problem after you declared or threatened to declare bankruptcy
Consumer Complaint: I took a pay cut a few years ago I was forced to file for bankruptcy XX/XX/XXXX as of XX/XX/XXXX Santander consumer offered to defer my monthly payments on my vehicle for six months XX/XX/XXXX my bankruptcy finally cleared the same month that my last deferred loan payment on my vehicle was to go through and found out that because of the bankruptcy I was denied for deferred loan and required to pay the back fees from XX/XX/XXXX to XX/XX/XXXX. Even though I agreed to keep my vehicle after bankruptcy Santander consumer took me to court anyway. I talked to Santander consumer about the {$3000.00} of back fees in hopes to get the payments down and I was promised that every time I make payments I would be given 30 days in which was a lie and my vehicle was repossessed on XX/XX/XXXX after throwing numerous of payments to bring the balance down to {$1400.00} in the past few weeks they still took my vehicle and will no longer take payments and they now want {$2000.00} in order for me to get my vehicle back in which I do not have the funds to do so but right away. Especially being I work out of town
Company Response:
State: CA
Zip: 93309
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: 2018-04-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have Santander Consumer USA on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But Santander Consumer USA didn't follow through with the same actions. I would like for Santander Consumer USA to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case XXXX has not been following the Law.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Re : Leased XX/XX/XXXX XXXX XXXX My 3-year lease with XXXX XXXX ended on XX/XX/XXXX. I have made every effort to return the car but XXXX XXXX has failed to cooperate. I had the pre-inspection done in XX/XX/XXXX, and the car was in approved for return. In early XX/XX/XXXX, I called XXXX XXXX and asked for instructions for returning the car, because the dealer from whom I obtained the car is no longer in business. A representative told me to call other XXXX dealers nearby. I called the 4 closest dealers, and all of them refused to accept the car. When I reported this to XXXX XXXX on XX/XX/XXXX, the representative told me that they would send someone to collect the car within two days ( by XX/XX/XXXX ). However nobody called and nobody came to pick up the car. On XX/XX/XXXX I called again to inquire, and was told that I would be contacted in 2 weeks or so about the pickup. This contact never occurred. I have called numerous times about this matter, and XXXX XXXX representatives have repeatedly shifted the blame to third parties, refused to allow me to talk to a supervisor, and promised that someone would be sent to retrieve the car -- but this has not occurred. In the meantime, I have moved out of the state, so I can no longer store the car or deliver it anywhere. The car is being kept temporarily at a friends house, awaiting the promised retrieval. The last call I received from XXXX XXXX was XX/XX/XXXX, and the representative again promised that the car would be retrieved, and someone would contact me within 48 hours to make arrangements. And once again, the promised contact did not occur. Back when I was first told the car would be picked up ( XX/XX/XXXX ), I filled out the DMV form to release responsibility for the car. Since then, my lease has ended ( on XX/XX/XXXX ) and I believe all my obligations concerning the car have ended. The car is no longer registered in my name or insured by me. XXXX XXXX/Santander Bank is now Owner of the vehicle and is legally responsible for the car. But their dealers refuse to take the car and they keep failing to pick it up. As far as I'm concerned, this is an abandoned vehicle.
Company Response:
State: FL
Zip: 32444
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: company applied high interest rate. unable to maintain payments.
Company Response:
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On or around the end of XX/XX/XXXXI pulled my credit report and noticed that Santander Bank is reporting false information on my credit report with regards to a car loan that I had with them in XX/XX/XXXX. At that time I notified several credit reporting agencies of the error, they did an investigation and reported updated information from Santander that is still false. I want immediate resolution and expect that if I am denied credit because of their actions that they will be held accountable. Complaint Description : I had a car loan with Santander Bank which was paid in full XX/XX/XXXX, Santander is illegally reporting to the credit agencies incorrect information. Account Number : XXXX Make : XXXX XXXX XXXX VIN : XXXX Account Paid in Full Date : XX/XX/XXXX ( per confirmation on Santander letterhead ) Santander has reported this account has charged off on my credit report also has reported inaccurate information after I disputed the information, they added more incorrect information. Status on my credit report : Bad debt & placed for collection & skip They have also updated my credit report that I have not paid since XX/XX/XXXX through XX/XX/XXXX. Which appears as 48 times that I have missed payments, this is materially false information and when asked to correct they have not complied. I have documented a paid in full letter dated on XX/XX/XXXX. With this documentation and the behavior of Santander Bank I have legitimate documentation they are violating consumer credit laws. I would like to avoid legal action against Santander if they will accept my proposed resolution of immediate deletion of my account with all 3 credit bureaus, XXXX, XXXX and XXXX.
Company Response:
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-21
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: We contacted Consumer Finance regarding errors in our billing. ( We pay one month in advance due to Santander 's high interest rates ). As the result of the complaint, we received an apology and assurance that the problem had been fixed. This month, not only were we arbitrarily removed from receiving paper statements, but our online statements have all been changed, so that now there is actually no evidence of our ongoing extra payments. I phoned the office on XX/XX/XXXX to speak to someone about this and " XXXX? '' informed me she is " not allowed '' to speak to me and all calls I make must be " handled by the legal department ''.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I paid off a loan with Santander USA and they reported my loan as a XXXX XXXX. And show my payment as late and charged off!! They were paid off promptly and even gave me a refund. I want this corrected.
Company Response:
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I leased a XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The lease was set up through XXXX XXXX. XXXX XXXX continues to incorrectly bill me each month. I have contacted XXXX XXXX myself with no success. I went to the dealership to enlist their help. We have had numerous ( too many to count ) phone conversations, emails and such with them trying to resolve this. I have been told multiple times that the issue is resolved, only to get my bill the next month with incorrect fees again. This all started when XXXX XXXX tried to charge me sales tax on the rebates that were part of the transaction. Those fees were paid to the dealer by me and to the State of Wisconsin by the dealer at lease inception. The dealership had to explain to XXXX XXXX how leases get taxed. XXXX XXXX should know this!!!!!! The lease tax issue finally got corrected in late XX/XX/XXXX, over a year and a half into the lease. XXXX XXXX has and continues to assess late fees, past due fees and such when I never should have been billed for them in the first place. I am very concerned about the effect this has had on my credit. I am unsure if they are reporting late payments on my bureau or not. The dealership and I have continually asked for something in writing from someone to prove that this has been resolved. I have never received anything. The customer service at XXXX XXXX is beyond poor. My experience has been extremely frustrating. No one seems to care. It is not my job to correct their mistake. It is also not the job of the dealership to tell a financial institution how to bill correctly. The dealership staff has also put in countless hours trying to resolve this for me. I should have been billed {$86.00} per month from the start. If they knew what they were doing, this whole situation never would have happened. This has consumed enormous amounts of my time and has put undo stress upon me and my family. I want something in writing from XXXX XXXX that states that they have corrected my account once and for all. I also want something in writing from them guaranteeing that they have not reported any late payments to the credit bureau. I have attached payment statements, my original lease contract, emails to XXXX XXXX and a list of people involved. I also think i should be compensated for this. I am over two years into my lease and XXXX XXXX still can not figure out how to bill this. I have already filed 2 complaints with the Wisconsin XXXX XXXX XXXX XXXX.
Company Response:
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Santander Consumer is reporting incorrect information I received alert saying an was 180 days past due for a loan amount of {$100000.00}. This information is incorrect and is not my account. I have never taken a loan out for {$100000.00}. Santander is reporting someone else account on my credit report. I called and explained this to them however, the young lady said that I need to call the CB and let them know. However, this is harming my credit score being that this isn't my account and that the amount of this debt is extremely large. I have asked for documentation showing that I have account with them and they have yet to provide me with any proof. They stated they would have the fraud dept. reach out to me. I haven't heard anything back about the matter. Can we please get this matter resolved as soon as possible please. Thanks
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-20
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Hello, I opened a auto loan with Santander Consumer USA in XX/XX/XXXX. The original note amount was XXXX. I admit, I have been late on some payments but I have ALWAYS paid them to include all late fees. Recently, in XX/XX/XXXX I found out my outstanding payoff balance is {$16000.00}, I messaged them and asked them why? They told me it was because of the way payments were made to my account. That is absolutely ridiculous. In FOUR years, I have paid {$13000.00} of which {$11000.00} has gone to interest, {$270.00} has gone to " fees '' and leaving only {$2100.00} going toward the actual principal. I formally asked Santander for a refund. My balance owed should be {$4100.00}. I have reported them to the XXXX XXXX XXXX and the Attorney General 's Office for the State of New Mexico since I found this out and have had no action in my favor thus far. I believe this is theft and they should be prosecuted. The interest they are charging is absolutely wrong and criminal! Please help me solve this matter. Thank you. XXXX.
Company Response:
State: NM
Zip: 881XX
Submitted Via: Web
Date Sent: 2018-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A