Date Received: 2018-01-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The balance that is shown from my charged off Santander loan is incorrect.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2018-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-19
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Vehicle XXXX XXXX XXXX XXXX XXXX Car purchased XX/XX/XXXX After repossession of vehicle balanced was first {$4200.00} reported on date XX/XX/XXXX First letter from Santander of settlement was sent XX/XX/XXXX of balance due {$2300.00} of 30 % that amount Debt sold to XXXX XXXX XXXX XXXX dated XX/XX/XXXX their balance is {$4500.00} and they want 40 % of that amount have letter from this company Santander sent letter on XX/XX/XXXX that the sold to XXXX XXXX XXXX, XXXX and the Principal Balance is {$2300.00}
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from a XXXX car dealership. Santander Consumer USA approve my loan with a high interest Rate. My monthly payments were XX/XX/XXXX a month. The original amount of the vehicle was XXXX for 76 months. Account status is Closed and XXXX has been written off the price of the loan. Around XX/XX/XXXX this vehicle was repossessed with a pass due balance of XXXX Then added XXXX to the loan in the same month dating XX/XX/XXXX. Previously 2 yrs of payment were paid but collection account didnt apply my current payments to my principle. While the XXXX dealership housed this vehicle until XX/XX/XXXX the past due amount became XXXX. On or around XX/XX/XXXX Santander Consumer USA reported that I made a recent payment of XXXX. My concern about this fraudulent loan is my 24 months of payments have not been applied an or deducted from original sale price of this brand new vehicle. Then Santander Consumer reported I made a payment after the repossession of this car, sold it to another lender as it appears as a duplicate negative collection on all 3 credit reporting agencies. When the vehicle was repossessed all interest rates and late fees should 've stopped. Instead they dishonestly took my money and keep the car for the full balance showing nothing that ive paid towards this vehicle. Im very Overwhelmed how Santander Consumer USA takes from tax payers. Please help me with this fraudulent action I face. ThankYou in Advance.
Company Response:
State: NV
Zip: 89015
Submitted Via: Web
Date Sent: 2018-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Santander repossessed a vehicle in XXXX XXXX and the last correspondence with them was to find out where vehicle was to take possession of personal property left in the vehicle. Have not received any correspondence in regards to if vehicle was sold at an auction or if there was still debt owed. Through looking at my credit reports I found there to be a total due. I disputed that $ amount and it was then reporting {$0.00} owed and sold or transferred. XXXX XXXX, XXXX I mailed certified letters asking for validation of debt and any information about the repossessed vehicle. I have n't heard or seen a reply back from either Santander, XXXX XXXX or XXXX XXXX XXXX.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2018-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello- I have had an auto loan with Santander Consumer USA for years now. I have finally paid off the account in full ; with {$180.00} late fee balance remaining. However, Santander has inaccurately reported the account negatively to the credit agencies when there is {$0.00} principal balance. I request they update the credit reporting to show paid as agreed and paid in full. I also request they waive the late fee balance due to the inaccurate credit reporting. Thank you.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2018-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-18
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I believe that the initial interest rate exceeded the maximum amount a person should have to pay, well over 20 %. Although I tried maintaining the payment and asked several times to lower my payment, the lender only extended the loan until I could no longer afford to keep the vehicle and it was repossessed. The balance remaining after the vehicle was supposed to have sold is well over what the car is even worth today. Below you will see what the value of the vehicle really should be DMV profile XXXX XXXX VEHICLE XXXX XXXX XXXX XXXX XXXX XXXX 4dr XXXX VIN : XXXX DRIVERS XXXX XXXX Year of birth : XX/XX/XXXX Driver license : XXXX License state : FL Expenses Insurance Last updated XX/XX/XXXX - Vehicle Value Estimated by XXXX - {$9000.00} Private party Current valueUPDATED {$9000.00} Private party {$6700.00} Trade-in good condition {$6000.00} Trade-in average condition {$5100.00} Trade-in poor condition About vehicle valuation There are several factors that are used to calculate your cars current value. Your current mileage, where you live and the cars condition all play a role in your cars value. Recall notice STRUCTURE : BODY : HATCHBACK/LIFTGATE + XX/XX/XXXX Affecting XXXX vehicle
Company Response:
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2018-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: On XXXX XXXX, XXXX, I terminated a lease with XXXX XXXX and entered a new lease for a new vehicle. Under the terms of this agreement, the dealer completed a dealer trade-in, buying out my lease and relieving my obligations to the old lease and entering a new lease. At that point, I assumed that my obligations under the first lease had been fulfilled and responsibility transferred to the dealer. But the account for the old lease remained listed as open under my name through XXXX XXXX. On or around XXXX XXXX, XXXX, I called XXXX XXXX to inquire about this account. They told me they had not received payment from the dealer and not to worry, that it can take 8-12 business days to process a payment. They indicated they could not remove my name from the vehiclewhich at this point was listed for sale by the dealeruntil payment from the dealer had been received. I called the dealership and they said payment was sent to XXXX XXXX on XXXX XXXX, XXXX. I waited to allow time for this to be processed but the account continued to be listed in my name with a next payment due by XXXX XXXX, XXXX. On or around XXXX XXXX, XXXX, I called the dealer again to confirm payment had been sent. They have me a XXXX tracking number that confirmed receipt of the check on XXXX XXXX, XXXX. So I called XXXX XXXX again and they said that they could not find the payment anywhere in their system. After being on the phone for over three hours, XXXX XXXX indicated that the dealer had erroneously sent the payment to a third party and the wrong location, as well as failed to check an appropriate box an online process for the dealer trade. At least, this is how it was described to me. I put Chrysler Capital on a 3 way call with thme finance office of the dealership, and the dealership confirmed that they would complete the required box. XXXX XXXX confirmed that, as soon as they did this, the lease account would be satisfied and closed. On XXXX XXXX, XXXX, I received a call from XXXX XXXX indicating that they now would require the dealership to wire the money because the check delivered on XXXX XXXX was now outdated. But this would require the check to be returned to the dealer first so that the dealership could ensure they wouldnt be double charged. This complete contradicted the initial claim that checking a box in an online system would be sufficient to process the payment. By this point, my concerns had been escalated to the highest levels at XXXX XXXX while they refused a simple requestremove my name from the account of a vehicle I no longer owned. XXXX XXXX said they would follow up with me when the dealership received their check back and wired the payment. The account was listed as delinquent on XXXX XXXX, XXXX, with a late fee assessed and the account still in my name. On or around XXXX XXXX, XXXX, XXXX XXXX called and indicated that they spoke to the dealership, the old check was in their possession, and the money was being wired. They assure me that the account would be resolved within the next 48 hours. After much negotiation and arguing, XXXX XXXX did agree to credit my new account with one months payment for my trouble and at that point I assumed the situation was resolved. A week later, on XXXX XXXX, XXXX, the account was still listed as open under my name and delinquent. So I once again called XXXX XXXX and was on the phone for two hours, mostly on hold. I was told first that the vehicle was still at auction and payment had not been received. This made no sense, since the dealership had sold it as a pre-owned vehicle and I had talked to the person who had bought it. So the vehicle has changed hands twice in the intervening six weeksonce to the dealership and again to a new ownerand yet I was still listed as the financially responsible party. I was concerned about an adverse effect on my credit with the account still listed as delinquent under my name. After additional delays and talking to additional people, I was told they XXXX XXXX was unsure if the money had been wired and that it could just not have been processed into my account. They assured me that they would look into it. On Friday, XXXX XXXX, XXXX, I received a call back from XXXX XXXX and spoke with XXXX XXXX, who called himself an Assistant Vice President of Consumer Practices. He said he personally spoke with the dealer and that he had " forgiven '' a {$22.00} discrepancy between the amount owed and the dealer 's payment. He indicated that the payment would post to my account no later than Tuesday, XXXX XXXX, XXXX. On Monday, XXXX XXXX, XXXX, I spoke with the finance XXXX at the dealership who gave me a tracking number of a check mailed on Friday, XXXX XXXX, XXXX. They told me that XXXX XXXX returned a payment by them issued on XXXX XXXX, XXXX, because it was short {$22.00} XXXX the price of the buy-out had increased because of XXXX XXXX XXXX delays ). This contradicts the claims made by XXXX XXXX that they forgave the {$22.00} discrepancy to expedite the process. In addition, according to the tracking number, the check was mailed to the same location as the first check -- contradicting XXXX XXXX XXXX original claim that the first check was sent to the wrong location. On Tuesday, XXXX XXXX, XXXX, the account was still listed as delinquent. Since XXXX XXXX had promised that this would be processed by this date, I called back. Again, he obfuscated and said that they would need additional time to process the payment. He acknowledged they were in receipt of the payment but claimed it was " impossible '' to remove the account from my name until this " processing '' was complete. In the meantime, this account is still listed as open on my credit report and I can not trust anything that this company tells me. The lies and inconsistencies are appalling and this is no way to treat a costumer. Five weeks ago, I traded in a vehicle and it has sense been sold to someone else. And yet I am still listed as the financially responsible party for that vehicle. This is unacceptable.
Company Response:
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/X/2017 XXXX XXXX XXXX aquireed a fraudulent debt from XXXX XXXX XXXX. I have sent in several validation letters to the company as well as my police report filed stating my identity was stolen around the time of this loan was taken out. Still without any avial they have n't made any attempts in resolving this matter. I have started filing a lawsuit against the company for it unfair and unpractical debt practices. they arent licensed to collect sets in the state of Georgia yet they still attempt to collect this fraudulent account debt from me. It is affecting my credit as well as my ability to purchase a new home for myself and my children. This debt was old to them by Santander who has since stated that the debt was fraudulent and have removed me out of their system. now i need XXXX XXXX to do the same.
Company Response:
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I was in need of car good running car .I went XXXX XXXX to buy a car it was a XXXX XXXX it had very low mileage. I drove the car about a month. the engine light .i contact the dealership .they told me to bring it to be checked was.I did was told the cowl was out and it would be replaced. I pick the car up from the dealership .drove it for a day the engine came on again this time I called Santander to inform them of what was going on with the car.I still made my payments on time of {$440.00} per mo .Even those the was sitting in my parking stall.this went on about two.expain to Santander.I can no longer make payments on a car that is not running. and pay for a rental car.I needed to retune the .so i parked it on the street.I they never told me they picking up the car .I recived papers in the mail the car had been repo .then the call stared every win am going to the balance .i ow {$12000.00} this repo I can not get another car loan because of this on my credit.
Company Response:
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-16
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I purchased a XXXX XXXX in XXXX 2008 and Believe Interest rates where too high, I was sols the Vechile for XXXX dollars with {$1300.00} for trade some this monies were first finaniced by XXXX XXXX XXXX SInce that time I have made 50 payments of {$330.00} for total of {$16000.00} for this van as of today I am still on the hook for {$7000.00} additional fee the van was repossed and sold for {$1100.00} by Santander, this has been on my credit for over 10 years I have reached out to pay {$500.00} to have these charges taken on of my credit report to no avail as you can see I have paid a total of {$19000.00} for the van and Santander claims I still owe {$7000.00} dollar on this worthless van, can someone help as I am trying to get this off of my credit to purchase home.
Company Response:
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2018-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A