Date Received: 2017-11-27
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Okay so I fell behind on my car payments. I was in the hole from the beginning because it was to my understanding I will get a bill in the mail stating how much I owed and how to pay. I did not receive these letter until my car payment was already past due. I tried to catch up the best I could at the time when I made my first payment I owed a total of roughly XXXX dollars I paid XXXX of it that day and another XXXX a few days later. To bring the total amount due down and months owed. I had just got my pay check so I called last night on XX/XX/2017 to see how much I owed total to bring my current total amount due back to 0. I owed XXXX dollars this morning I woke up to find my car had been repossessed. I called Santander ( my loan company ) to see if I could make my payment of the full amount dude to get my car back and they refused to reinstate my loan after repossession due to failure to maintain timely payments. When it was partially their fault I was behind on my payments in the first place seeing as they never sent me any bills via certified mail. I take responsibility on my part because I should have been more diligent in finding out how much I owe and when payments were due. But I have always paid my bills via certified mail. They refuse to help me in anyway they keep telling me its company policy to not reinstate my vehicle even if I pay the current amount due in total they say they only way they will surrender the car back to me is I pay the loan off in full. I never received a written letter ( notice ) via certified mail notifying me that my car was in default and due for repossession. I live in XXXX and XXXX XXXX XXXX states in order for the lean company to reposesss your vehicle they must send you a written letter 10 days prior to repossession with the current amount due to give you a chance to pay the amount and keep your car. The company admitted to not sending me this letter stating that va law does not require this and they can come get it when they want. All I want to do is pay my amount due current and continue on with making my payments on time but they do not want to help me do so. Please help me.
Company Response:
State: VA
Zip: 22630
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I have tried contacting Santander consumer usa multiple times regarding my loan. They are charging me the max interest rate on my car loan. It is making it almost impossible to pay this car off. Its absolutely unfair that they are legally allowed to do this to people. 25 % interest on a XXXX car loan is robbery.
Company Response:
State: LA
Zip: 71112
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: To Whom it may concern : I previously had a lease with XXXX XXXX from XX/XX/XXXX to approximately XX/XX/XXXX for a XXXX XXXX XXXX XXXX, which is now free and clear of my name. During the period of the lease I received numerous billing inconsistencies from XXXX XXXX, stating time-and-time again that I owe them additional money for fees associated with personal property tax that the county bills the leasing company, and they in return pass the fees on to me for payment. After receiving the personal property tax bills from XXXX XXXX, I remitted payment for the specific amounts in question for each bill I received ( attached ). However, after paying the tax bills to XXXX XXXX I continue to get letters from them stating that I owe money for the tax bills. I have tried several times to resolve the dispute for well over a year now with no success. The latest letter ( attached ) states that I owe them {$4000.00} for taxes, with no itemization as to what the actual money is for, other than it 's for personal property tax. Earlier in the year when this came up I went to the county to pull the personal property tax records for the vehicle, and then compared those amounts to the electronic payments that I made to XXXX XXXX for those amounts ( also attached ). Moreover, the money they are seeking now does n't add up to the total amount of tax owed for the vehicle which makes the case even more perplexing. I 've attached the latest letter from XXXX XXXX along with the county tax records for the vehicle with the corresponding tax payments I made to XXXX XXXX during the period in question. I would appreciate the CFPB intervene to help resolve the matter. XXXX XXXX XXXX
Company Response:
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XX/XX/XXXX payment made. Company credited account for bill on XX/XX/XXXX. Credit for payment was revoked on XX/XX/XXXX. I was not notified of this. Charged NSF check fee by lender on same day. Late fee was added to payment two days later. Company contacted me on XX/XX/XXXX to tell me payment was late and my credit score would take a hit if I didnt pay it. Lender advertised same day ACH payment services. When I contacted the lender, I was originally told it was due to my account at the bank being insufficient. After explaining that I work at the bank and offering to show statements, I was told that they could open a ticket to reverse part of the fee, but that I would receive no help on the other portion. Transferred to manager after 15 minute hold. Manager agreed to open a ticket to return a larger portion of the fees, but Im still docked the other portion. Company uses XXXX XXXX to process ACH payments and it can take up to 12 business days to receive credit for payments. I asked how I could make my payment and it post in a reasonable amount of time. Payment can be made through POS system with clerk for {$10.00} convenience fee, or online for a {$2.00} convenience fee. This would not be waived either. Im still being charged two fees, one to make my payment so that they will not take negative action against my credit, the other for a late fee because the service isnt as advertised. Fee structure, payment options, payment processing delays, and lack of communication to consumers seems intentionally deceptive and abusive. The only way to know your bill is paid is to pay a fee. The free method can result in over {$40.00} of charges ( which is greater than 20 % of my note ) due to a processing error.
Company Response:
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-28
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was recently reviewing my loan contract because I do not understand how my unpaid principal balance is so high based on the amount I borrowed 4 years ago. I pulled all of my loan contracts for review and noticed a substantial discrepancy. The day that I took delivery of the new vehicle from the dealer, gap insurance I wanted was omitted, and you will notice that loan contract used an interest rate of 11 %. About 4 weeks later, I returned and was asked to sign a new contract that included the gap insurance, and the new loan contract appears to have an interest rate of more than 21 %. I do not understand this and believe I have been the subject of a bait and switch scam and also believe I have been treated unfairly and deceptively. Additionally, I asked someone who knows a lot more about these matters more than my husband and me, and he ran an amortization schedule for the loan. He seemed to think that the unpaid principal balance could be more than {$4000.00} too high. We firmly believe the car is so far under water, partly due to the potential incorrectness of the amortization schedule. My family is poor and we have lost my husbands income due to an awful workplace accident that has rendered it difficult for him to work. We barely get our bills paid, and I would like to know why the interest rate for this loan appears to be 10 points higher about 4 weeks after closing than it was earlier at loan closing and car drive away. Please help us. I can not afford an attorney. Thank you in advance.
Company Response:
State: NJ
Zip: 072XX
Submitted Via: Web
Date Sent: 2017-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX was reporting me late for almost 2 years even after i disputed the wrong information and the dispute took more then 30 days after disputing this for more then 8 times, and so did n't the credit bureaus do the ultimate job to investigate my disputes if they would do their job they would see that i was n't late on this account.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-24
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I requested an extension on my car loan with Santander USA. Per my phone conversation with Santander I was approved for the extension and they informed me it would NOT report negatively to Credit Reporting agencies during this timeframe, but it was reported negatively from XX/XX/XXXX-XX/XX/XXXX. Santander USA refused to update the CRA 's and provide me with an itemize statement of charges and fees from XX/XX/XXXX-XX/XX/XXXX. The remaining car loan balance of {$12000.00} reporting to all 3 CRA is incorrect. The remaining balance should be around {$8700.00} In XX/XX/XXXX, I previously setup payment arrangements in XX/XX/XXXX due to being involved in bad car accident I was unable to pay. I called Santander and a representative advised me 3 months of car payments would be pushed to the end of my loan, but it was NOT my car was repossessed 3 days before the due date Santanders representative provided me with. I have called several times and mailed two Goodwill letters to get these past due delinquencies ( XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX- XX/XX/XXXX ) updated with Santander and removed from all 3 credit reporting agenices as they they were reported as past due in error. I have attached the extension letter from XX/XX/XXXX extension.
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2017-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XX/XX/XXXX they got a hard inquiry on my credit report today inquiry I didnt request ... XX/XX/XXXX XXXX got a hard pull I didnt request i never applied for nothing I disputed the inquiry and the refused to remove it XXXX XXXX XX/XX/XXXX have a hard inquiry on my account i did not to or approved I disputed the inquiry but they refused to remove it
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am asking you to have consideration of me, I had a work orientation but my condition is a little bad for this moment I am treating myself because my medical condition is not well ; I am having a lot of chest pains and I had problems in the past with my hearth and for that reason I cant continue with the orientation of the work because my health is first. I understand that it is my responsibility to comply with the car loan, it is my only transportation and I have frequent medical appointments, I am not refusing to pay. I 'm just asking you to remove all the late payments move it to the end of the loan, just defer all the late payments please to start everything without any problem in XXXX XXXX, since I had to make some mechanical work to the car.
Company Response:
State: NE
Zip: 687XX
Submitted Via: Web
Date Sent: 2017-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: In XXXX i called trying to work something out on a charge-off account, the rep was very blunt to the point and no care with helping me. In XXXX, my mother called as a " co '' on the account, and they tried to get more money out of her through the negotiation process as seeming to be deceitful and ill- intentioned. I 've called a few times after, and when i address the issue, I 'm placed on a ridiculously long hold. Today i finally got a rep on the phone, and he was more interested in capitalizing on the situation of me wanting to resolve the debt with him, than getting me to a supervisor. It seems as if they are a collection agency chop-shop, instead of a professional collection office. I have a family member that actually worked at the company previous and told me that ALL representatives could have been a lot more reasonable.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A