Date Received: 2017-09-15
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: My name is XXXX XXXX. Since XX/XX/XXXX I have been cooperating with Santander on every level to remove the negative remarks on my credit report for a XXXX XXXX XXXX. The vehicle was traded inXX/XX/XXXX. I received a phone call from Santander XX/XX/XXXXrequesting the phone number and address of XXXX XXXX XXXX who had not completed the vehicle payout. I was also advised per Santander that my account would be placed on freeze until payment was acquired from the dealership in order to not affect my credit score. A Santander agent called me in XX/XX/XXXX requesting I pay the monthly payment for the vehicle and when I asked he advised me that Santander had noted the dealership information but never in fact called to request payment. I asked what would happen with my credit because I cooperated with Santander in providing the information and awaited result from Santander 's advisement that they were supposed to contact the dealership. I was told that even though the previous agent did not, the one I spoke to would speak with XXXX XXXX XXXX. I received a call from another call in XX/XX/XXXX stating that I had another late payment. At this point I advised the agent I would call myself. I spoke with XXXX XXXX XXXXXX/XX/XXXX directly and advised them of the missing payment. They stated they had not received contact from Santander seeking the vehicle payout. Santander contacted the dealership XX/XX/XXXX stating that due to the dealership not providing the vehicle payout that my credit was being affected negatively. Santander after receiving payment took no action in removing the negative remarks on my report. XXXX XXXX a Santander manager requested a letter from the dealership stating I was not at fault and that once received my credit report should update in 30-60 days in XX/XX/XXXX. The dealership emailed XXXX XXXX. I spoke with an agent of Santander in XX/XX/XXXX who advised me he knew XXXX XXXX but that he was not currently available. He advised me to wait as it may take a little bit of time. Fast forward to XX/XX/XXXX my credit report for XXXX/XXXX states negative remarks from Santander on a loan application. I reached out to Santander consumer disputes dept who explained XXXX XXXX never noted whether or not he received an email. I asked for him to be contacted and was advised he no longer works for Santander as of XX/XX/XXXX. I was asked to provide another email from the dealership. The dealership advised me they are currently under new ownership and directed me to XXXX XXXX. XXXX XXXX stated to me on a call that Santander should be able to accept the lease contract which displays the vehicle was in fact not in my possession as proof that I was no longer responsible for payments. I also mailed alongside the contract a copy of a XX/XX/XXXX email from a XXXX XXXX XXXX employee stating they received a call from Santander bank where the bank stated due to the dealership not paying my credit was being impacted. Santander reports they have not received any letters on my behalf. I requested an agent today XX/XX/XXXX provide me an email to which email the documents and was advised over a recorded line by a manager named XXXX that Santander employees do not have corporate emails. I have attached the contract of the lease which dictates the vehicle and trade in value plus the copy of the email. Attached is also a XXXX XXXX screenshot of my Santander payment history which shows Santander falsely reported an on time payment in XX/XX/XXXX. I have not made or authorized any additional payments to Santander and the mishandling of my account is defamation and violates the fair credit practice.
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made several good faith attempt to settle my account with Santander. They repossessed my car without my knowledge and submitted everything to a XXXX XXXX that I no longer use. They are constantly adding additional fees to my account which should be closed. I am requesting that these charges be removed from my credit file. I do not think that they handled my case accordingly. The interest rate was extremely high. The communication to help for financial hardship was poor.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was behind on my payments to Santandar Consumer USA because I XXXX XXXX XXXX back the in Summer of 2016. The lender was unwilling to do a deferment on my account and told me to just make payments when I can, so that is what I did since I was unable to work during that time. I started getting threatening and rude phone calls every hour on the hour from XXXX XXXX until XXXX XXXX every day. I asked on many occasions to speak with someone higher up but was told there was no one every time. They threatened to repo my car even though I was caught up on my payments. I was fully caught up in XX/XX/XXXX of this year then they tried to take me to court, I hired an attorney and made an agreement to make my payments on time and have not missed a payment since. My account shows up as closed and as a charge off and no payment history giving me bad credit. Shows a higher amount owed then what I owe at this time. I would like to have my payments showing up on my credit report and my account as open or at least let me put a statement on my credit report as to why I was behind on my payments. This company is unwilling to work with anyone no matter the circumstances. My interest is outrageous on this account too. I highly recommend that no one use Santander Consummer USA for any type of loan or banking needs.
Company Response:
State: WI
Zip: 53186
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: XX/XX/XXXX XXXX XXXX, In the beginning, a week after the vehicle was purchased the engine light immediately popped on. Asked for a trade in was denied. A little time after a problem occurred with the wheel Barron 's and O2 sensor in XX/XX/XXXX. After that occured one of the particular rims bent and had to get a new rim in XX/XX/XXXX. From XX/XX/XXXX -XX/XX/XXXX the engine light constantly popped on and off and brake light began to pop on. In XX/XX/XXXX had to get wheel Barron hubs done again, front brakes, and side brakes .In XX/XX/XXXX purchased new tires and tire pressure sensor went out on entire left side of the car. In XX/XX/XXXX A/C went out and Car started leaking. In XX/XX/XXXX car began to shake. In XX/XX/XXXX had to get front and side brakes done again. InXX/XX/XXXX engine began to jump every time I shifted gears. Currently XX/XX/XXXX, engine light on ( engine still jumping every time I shift gears ), tire pressure light on ( entire left side pressure sensor is n't reading ), car shakes when showing down or when press on brakes, cold air blowing out hot ( leak in the a/c ) Interest rate increased to 28 %!
Company Response:
State: IL
Zip: 61832
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Credit Bureaus XXXX XXXX XXXX XXXX XXXX Santander Consumer is showing inaccurate and erroneous information. It has labeled my account as a charge off. Accountbwas current and used as a trade in witbanother auto company. Would like this deleted. Please have them send me an updated credit report once removed to the below address. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
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: On XXXX XXXX, 2017 the loan was paid in full never having had a late payment. I received notice that the loan was paid in full with an over payment of {$320.00}. A refund check would be sent within 30 days. I have tried to call and see where the refund for the over payment was and have been told by several Santander employees that the refund was sent by XXXX. I do not know what XXXX has to do with it, but my agreement is with Santander. The refund has never been received.
Company Response:
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-13
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: can not come to a correct final figure see attached as the interest changes daily it should be fixed
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Non compliance with FCRA and XXXX XXXX compliance.
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-12
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was ripped off owing more than the car was worth. I purchased a XXXX XXXX XXXX in which I was charged XXXX for the car financed through Chrysler capital. I was tricked when I signed everything I was told to come back in and resign another copy not showing that I was charged XXXX until after I got the receipt and notice later what they had did. This happened XXXX XXXX XXXX had went bankrupt I would have sent it back but I was promised I can get refinance with a better interest in much lower payments from the redemption center but was turned down because of the high equity.
Company Response:
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-12
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: Santander Finance out of XXXX, Va. lased a vehicle under my wife 's maiden name to a XXXX XXXX in XXXX, sold the vehicle and now is trying to sue my wife for the amount loaned out for the vehicle.After investigating, findings concluded that the vehicle was illegally obtained by XXXX XXXX. Santander Finance company sold a XXXX XXXX XXXX to a person that had/has no drivers license nor job at the time of the sale of the vehicle.When confronted about the vehicle and it 's whereabouts, the legal firm of XXXX XXXX XXXX located in XXXX, Va.representing this finance company stated : the vehicle has been sold and the funds were directed to Santander finance company.We are now in lue of trying to mitigate this debt through the courts.
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A