Date Received: 2018-02-13
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: I leased a new vehicle on XX/XX/18 and the dealer I leased the new vehicle from bought out and paid off the old leased vehicle. XXXX XXXX received the total funds including an excess payment of over {$170.00} on XX/XX/18. XXXX XXXX applied the payment on XX/XX/18. I have a security deposit in the amount of {$620.00} on file with XXXX XXXX and am being told that they are not going to return my security deposit for one reason or another. One reason I was given by XXXX XXXX for not receiving my security deposit is that I would have only gotten it back if I was to finance or lease through them again. However, that is not what my contract says and that is incorrect. Another reason a rep at XXXX XXXX gave me that I wouldn't get my security deposit back is because they have to wait to get the car back and assess any damages and fees that they can charge me. However, the dealer that I turned the car into has purchased the vehicle and this concept does not apply. So therefore, XXXX XXXX will not be getting the car back, they have been paid in full for it and so this is also not correct. It's like I'm being given the run-around and being told one lie after another so that they can just keep my money. In addition to this, XXXX XXXX has taken the excess amount that they were overpaid and applied it to another month 's car not, and claiming I owe the balance so even at this current time, my account is stating past due. The account is NOT past due. XXXX XXXX has been paid in full for the car plus excess. And if they don't get this straightened out immediately, the next problem is going to be that they report to the credit bureau on my file that the account is past due when it is not, causing me further problems and a bigger headache, which is harder to correct after my score has taken a hit it should NOT take than if they just correct this mess now, before it gets to that point. The attached documents show the full payment amount of {$15000.00} of which {$170.00} was applied towards a next months payment ( after I don't have the car anymore, go figure ) and the balance of {$15000.00} that the dealer paid to XXXX XXXX was the actual payoff amount of the vehicle. The bottom line is XXXX XXXX owes me the {$620.00} security deposit, the excess payment of over {$170.00} and to correct the account showing past due to current and PAID IN FULL.
Company Response:
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This car was FRAUD ...
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: I contacted XXXX XXXX last year when I fell behind on payments. They put me on a program that lowered my payments to almost half of the payment for about 4 months. I made the payments, which had to be completed by XX/XX/XXXX. I was told that once I finished the program, my payments would show current. I paid off the program with a payment of {$1200.00} in XX/XX/XXXX. When I went I make my next payment, the minimum due exceeded {$2500.00}, but the normal payment that I was expecting was {$650.00}. I contacted customer service and was told that it had been fixed. When I checked my loan again, it appeared to have been fixed online, but I found out recently that I was placed into another program, due to effects of hurricane Irma. I never asked for or was told about this. My account showed no payment due. Once an amount due showed up, I paid the amount due. Then a couple of months ago, I was unable to log into my account online. My mother told me a repo man showed up at their home looking for me. Now I have a letter in the mail showing I am past due by {$3500.00}. I contacted them to make a payment and they advised me to pay {$290.00} last week, which is the remainder of XX/XX/XXXX payment and I would be taken from repo status for 10 days only. Now they want {$2300.00} to bring my account current which I dont have. I was not called about this. When I have made calls to resolve, they tell me they will escalate and I dont hear back. When I was pre approved for this loan in late XX/XX/XXXX, they discussed my loan with the dealer, who sold me an overpriced vehicle. My rate is sky high and I can not refinance. I cant afford a {$3500.00} payment.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I recently moved..Santander consumer usa was last on my list to change address. My payments are sent auto payment from my bank to you..yesterday I went to mailbox and received my XX/XX/XXXX. statement..with my NEW address ... .Where did you get my new address? I haven't submitted it to you yet ... I have had many problems with you ... .now I would like to know HOW and WHERE you got my new address? Your company has caused me unnecessary stress and anxiety,,, now this?
Company Response:
State: CO
Zip: 80634
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The following companies, and their customer service would not help and take care of the negative inquiries reported to your credit report. I have disputed information on numerous occassions, and these inquiries were done quite excessively. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Also the account with Santander Consumer USA has been closed as of XX/XX/XXXX and they have sold the vehicle without my knowledge of doing so, and have an incorrect amount listed that is due.
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This account regularly reports negative information and reports as if the account when it was closed nearly 4 years ago!
Company Response:
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: THIS LOAN OFFICER ILLEGIALLY USED MY IDENTIY WITH FINACIAL INFORMATION I WAS NOT AWARE OF. I WAS AWAITING SOCIAL SECURITY XXXX FROM BATTLING XXXX XXXX XXXX. I WAS REFERRED TO THE AUTO DEALER BY BROTHER PURCHASING HIS VECHILE THERE. IVE NEVER BEEN EMPLOYED BY THE EMPLOYER WITH EARNINGS AT THAT TIME EVER. PRIOR I WAS LEASING VECHILE WITH XXXX WITH THE UNDERSTANDING SAME KIND OF CONTRACT WITH MY OWN INSURANCE. MY PAYMENTS WERE HANDLED BY CASH WITH XXXX. I HAD NO KNOWLEDGE OF THE INCOME PROVIDED NOR WAS I ASKED. I WAS NEVER AWARE OF PURCHASING THE VECHILE FOR 30,000 PLUS WITH NO PLACE OF EMPLOYMENT. I HAD NO KNOWLEDGE OF THE LENDER ILLEGALLY PROVIDING FALSE PLACE OF EMPLOYMENT WITH EARNINGS HOLDING ME RESPONSIBLE FOR THE COST OF VECHILE THAT WAS GOING TO BE TAKEN FOR UNABLE TO PAY FOR. I FEEL DEALERSHIP AND LOAN OFFICER USED MY IDENTITY FOR THERE FINACIAL GAIN. THIS IS IDENTIFY THEIFT FOR ONES GAIN.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My loan is with Santander Consumer. I bought the car at the dealership and the bank opened 2 accounts for the same car. I referred to an oficial of the bank and they said that the dealership created the problem but they will fix it. Santander oficial instructed me to stop payments until one of the account was closed, I follow their advice as told, I paid around 3 payments in just one time and my credit report took a dive from XXXX to low 600. I have called them many times and now they said that they do not have a record of all that happened. I have had credit card denials because my score shows a charge off which is incorrect. Santander Consumer has not give me an answer or return my calls in the last 3 months.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The car loan was fraud.I contacted Santander along with all 3 credit bureau regarding the account..The account was opened using my Identifying information without consent, Santander has allowed such fraud loan to remain on my credit bureau which has caused me irritable harm.I supplied a police report and affidavit.
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2018-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I purchased my vehicle 4 years ago for XXXX and every year the balance never changes and the balance remains the same. Santander USA over the top interest rates make it impossible for any principle to be paid. This can't be lawful and throughout my economic hardship they have refused to lower the interest. Please help me
Company Response:
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A