Date Received: 2018-03-07
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I have been making car payments on a XXXX XXXX for close to 2 1/2 years at the amount of {$530.00} per month. I actually have had a hardship with my bank and XXXX said I was short one payment while I still was making auto payments from my XXXX XXXX ACCOUNT. I had been making payments on prior car loans faithfully for ten years through XXXX XXXX AUTOPAY. When XXXX XXXX claimed that I didnt make a payment I still had AUTOPAY. XXXX XXXX didnt own up to anything. Money had been taken from my account but it didnt show a payment made. The bank is in error but refuses to acknowledge when I try to talk with them. I made 3 attempts talking with XXXX Staff. Twice in person and once on the phone. XXXX XXXX took about {$470.00} of my checking account money in XX/XX/XXXXto o pay to pay XXXX XXXX Credit Card Services because the bank aloud the CC to run over its limit instead of declining charges made over the credit limit. I also pay {$150.00} per month on the {$3500.00} credit limit card for many years. So I receive a Federal SSI Check. Soon as that was submitted on XX/XX/2017 XXXX XXXX scooped up the money and I hadnt authorized that. I then had to stop autopay on my car loan. I didnt have enough money left to pay on my car. I had to wait until XX/XX/2017 to make a partial payment on my car of {$410.00}. I had to get XXXX XXXX to give my money back to the checking but they refused. I couldnt make XXXX Payment, XXXX, XXXX, XXXX, and I would have payed towards it at the end of XXXX but they illegally came and repossessed my car last week. The XXXX, Ca. Police Department told me the car was not up for repossession the night it was taken. Now I have no car. The XXXX XXXX XXXX me up for close to {$1000.00} that I couldve paid on my car. My money I receive from the Federal Government is for a XXXX that I have. I am filing soon for veterans benefits. I feel taken advantage of and I need my car for doctors appointments etc. I am in dire need of help. 10 years + of making car payments and never missed or late ... Please help me get my car back or something else to drive ... Thank you!
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Problem with customer service
Subissue:
Consumer Complaint: The cfpb flagged a complaint as a duplicate. It was clearly not a duplicate. One complaint was fraud the other was a blance dispute. They waited over ten day to flag it as a duplicate. Thier customer service said they think it was flagged as a duplicate because the resolution was the same. Why are they looking in the resolution field to see if it's a duplicate, there are only a few possible resolutions, so obviously different disputes can have the same resolution. The customer service agent told me the only resolution was for me to submit a new complaint, and to put at the top that this is not a duplicate. That's great except I'm not wanting to start over from square one. I was expecting a response with in the next couple of days. I don't want to restart from scratch giving the finance company additional to resolve my issue. The least they could do is reopen the complaint without me having to submit a new one, as well as keep the original time table discussed for a response. Please see attached email for the complaint number.
Company Response:
State: TX
Zip: 77074
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX continues to harass me about an illegally purchased, charged-off debt ( MY CAR ) by sending tow trucks to my house and banging on my door to the point of nearly breaking my glass. This must stop now!!! XXXX has not responded to the 1st complaint ; therefore, I've filed a complaint ( see attached ) with the Texas Attorney General against XXXX. XXXX didn't respond to CFPB 's 1st complaint number XXXX that I filed on XX/XX/XXXX. Please see this recent CFPB Complaint number : XXXX, Date submitted to CFPB : XX/XX/XXXX, Date sent to Company : XX/XX/XXXX that XXXX. Attached is a recent harassing letter from XXXX that I received on XXXX XXXX. In this letter XXXX continues to harass me about this illegally bought debt that was charged-off and is no longer owed. Today is XX/XX/XXXX. I 1st notified XXXX on XX/XX/XXXX, the 30 day mark that I do not owe this debt per the instructions in their harassing letter ( attached ). XXXX Please stop harassing me about this debt that I do not owe! You are violating the law by continuing to do so. this complaint is in relation to the following : I obtained a car loan for {$19000.00} from Santander Consumer USA through XXXX in XX/XX/XXXX. After making many payments on the loan, I started to have some problems making payments but never broke communications with Santander Consumer USA over payment arrangements during this time. On XX/XX/XXXX, Santander XXXX XXXX, charged-off ( SEE attached credit bureau entry ) my car and attempted repossession which I felt was a strange move or illegal since they had charged it off. My complaint today is concerning Santander Consumer USA 's never-ending attempt to continue to make claim to a debt that has been charged-off. If they wanted me to continue making payments on the loan, why did they charge it off? There is something illegal about this move. To make matters worse, I received a letter dated XX/XX/XXXX ( SEE attached copy of letter ) 6 days to-the-year, from the date they charged-off my car loan. This letter states that they were offering me a settlement of 50 % off the amount of {$17.00}, XXXX ( the balance of the loan ), {$8900.00} to settle this account in full and send me the title to the car. I had until XX/XX/XXXX to come up with the money. I thought this was a great deal as strangely as it read since the car was already charged-off. Nevertheless, I called Santander Consumer USA to take them up on their settlement offer but as I said, I was not able to gather-up {$8900.00}. I'm just complaining more so today about Santander Consumer USA 's never-ending attempt to continue to make claim to a debt that has been charged-off. But now they state in a letter ( SEE attached letter ) dated XX/XX/XXXX that THEY'VE SOLD my ALREADY CHARGED-OFF LOAN to XXXX XXXX XXXX XXXX XXXX on XXXX XXXX???!!! Further, the letter states that XXXX XXXX XXXX XXXX XXXX now OWNS and will CONTINUE TO SERVICE YOUR AUTO CONTRACT? WHAT???!!! How is this EVEN remotely possible if the loan-car has already been CHARGED-OFF as of XXXX!!!!??? What's really going on here?? How can XXXX XXXX XXXX XXXX XXXX OWN a loan that has been LEGALLY CHARGED-OFF, GONE, DOESN'T EXIST!!! Furthermore, it is even illegal that Santander Consumer USA was able to SO-CALL SELL a loan that has been LEGALLY CHARGED-OFF, GONE, DOESN T EXIST and they continue to insist they OWN a LEGALLY CHARGED-OFF LOAN!!! I hope that you and the Federal Trade Commission come up with a reason and an answer to my question and find out what laws Santander Consumer USA and XXXX XXXX XXXX XXXX XXXX have violated. I will also be notifying the Attorney 's General in the states where Santander Consumer USA and XXXX XXXX XXXX XXXX XXXX are located. In a decision in XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX XXXX, XXXX ), the XXXX XXXX XXXX XXXX XXXX issued the following statement : " A person shall not furnish information on a specific transaction or experience to any consumer credit reporting agency if the person knows or should know the information is incomplete or inaccurate. '' I feel that this statement alone, at least acknowledges that Santander Consumer USA furnished a charge-off of my car loan, a specific transaction/debt of {$17.00}, XXXX, on XXXX to a consumer credit reporting agency, knowing ( or should have known ) that this information was incomplete or inaccurate??? And so I've put question marks here to bring attention to the fact/question we need answered. Either my car loan of {$17.00}, XXXX is charged-off as stated by the attached credit bureau entry which means just that!! That THIS debt has been LEGALLY CHARGED-OFF, GONE, DOESN'T EXIST!!! or Santander Consumer USA and XXXX XXXX XXXX XXXX XXXX are involved in some type of nefarious activity that further deserves investigating. Because if their doing it to me, toward how many others are they performing this nefarious activity. Please find out for me Consumer Financial Protection Bureau and Federal Trade Commission.
Company Response:
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: I spoke with a representative from the company called Santander about Mailing out the title to a car I just finished paying for this was on XX/XX/XXXX the representative inform me that the title was put in the mail on XX/XX/XXXX she informed me that it takes up to two weeks to receive the title I called again on XX/XX/XXXX and spoke with another representative and the representative is giving me the run around all I want is the title to the car I paid off
Company Response:
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I was working for an XXXX owned authorized XXXX service provider in XX/XX/XXXX called XXXX XXXX, As a XXXX XXXX. With commission. XXXX closed our store and gave us a week notice. At the time I was living by myself and going to school part-time. It took so long to get my severance pay that I had to get a part-time job planet fitness making half the amount I was making. I got a job with XXXX cooperate that required me to travel. But then and transfered to retail. But during that transition my last 2 checks had to be expedited due to an error in transitioning from one department to another. I contacted Santander about the issue and was advised I could make half payments until I got caught up. But due to all the issues listed above out of my control the car was still repossessed. Id like to have the vehicle back. But was required to pay over {$2000.00} to get caught up With no option of making half that payment or anything else. Santander told me the vehicle will be auctioned off on XX/XX/XXXX. The best resolution for me would be to get the vehicle back or have more time to do come up with solution before the vehicle gets auctioned off. I also looked at the history of my payments and saw interest added on to full payments I made back in XX/XX/XXXX and so on. My payment history shows payments that Word made in full are showing half the payment being made and the other half going to interest
Company Response:
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is an unpaid loan balance on my credit report that is keeping me from purchasing a home. This vehicle was court ordered to be paid for my ex-spouse. Per the divorce decree I am not responsible for this debt. Santander Conumer USA XXXX XX/XX/2017
Company Response:
State: TX
Zip: 758XX
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask XXXX XXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX has recently reported that the unauthorized inquiry that is associated with XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2018-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I bought a used XXXX from XXXX dealership in XXXX Ga in XX/XX/XXXX. I had complete engine failure a year and one month later. What went wrong with the car DID NOT match the XXXX. I had bought the car from a car loan from Santander Consumer USA for around 10,000. I could not afford replacing the engine and told Santander Consumer USA I wanted to voluntary surrender the car back to them around XX/XX/XXXX. They eventually repossessed the car but has my account still open like I'm scheduled to make payments. They have my account still open and the business is reporting my account as delinquent to the credit companies each month- this keeps lowering my credit score. I haven't received back information on how much money I owe them after the repossession.
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2017 I made a payment of {$330.00}. Around XX/XX/2017, my XXXX XXXX at the time ending in XXXX XXXX was taken from my driveway. I was never notified PRIOR to XX/XX/XXXX or XX/XX/XXXX for that matter that my car was set to be repossession involuntarily as I would of never made the XX/XX/XXXX payment as low as I did. Or I at least would of made other arrangements with Santander. I had even spoke to an agent about a month prior to make sure I was making the correct future payments in order to get my account back in order. It wasnt until the tow truck was in my driveway trying to take my car that I realized my car was being repossessed. It was also at that time that I had to called Santander to confirm said repossession. Might I add that the tow truck stated that Santander was known for doing illegal repossessions. Nonetheless, my main issue is that Santander may have repossessed my car illegally and may also have violated one or more laws. Upon researching Florida Statues regarding repossession, Santander was and still is in direct violation of Florida Statue 537.012 section 3 which states that At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. I was never notified of any details regarding said sale nor was I notified of a final amount owed. I also was never given a chance to make reparations prior to the sale, whenever it occurred, which is also part of Florida Statue 537.012 section 3. I just so happened to check my credit report on XXXX XXXX in XXXX to find a repossession listed on my account which then changed to a charge-off in XXXX with a new amount owed which was news to me. I honestly believe Santander had already scheduled a repossession prior to XX/XX/2017 but instead decided not to notify me of that and allowed me to make a payment as if I was simply paying my regular car payment.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XX/XX/2014 XXXX I contacted the company in hopes to get this account removed which was not mines but they claimed it was verified but no actual proof of me signing any agreements
Company Response:
State: LA
Zip: 70570
Submitted Via: Web
Date Sent: 2018-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A