Date Received: 2017-08-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Vehicle was parked on private property, in a 8 unit apartment building, vehicle was repossed on X/XX/17 @ XXXX. Neighbors complained about some unknown damages to they 're vehicles and want to hold me accountable for it. My complaint is on the repossession company XXXX XXXX XXXX ( XXXX ) hired by XXXX XXXX. I 've discussed payment arrangements with my finance company but I still feel the repossion was unfairly done.
Company Response:
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2017-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-04
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 XX/XX/XXXX I realized that I had paid my last 2 car lease payments through my debit account to Chrysler Capital instead of XXXX XXXX. Once I contacted Chrysler they asked that send via fax copies of my bank statements proving that the payments were taken out of my debit account and sent to them. I faxed them the next day showing that 2 payments were made in the amount of {$360.00} on XX/XX/XXXX and XXXX XXXX of 2017. I contacted Chrysler a few days later to make sure they received my faxed information and they said they did and that I would be receiving my payments within 30 days but after speaking to a supervisor they would try to expedite the refund. On XX/XX/XXXX I contacted Chrysler again seeing the status of the expedited refund, still no information other than Id be receiving it around XXXX XXXX, 2017. I again asked to speak to a supervisor begging that they expedite this process and get me back my 2 refunded payments in the amount of {$730.00}. On XX/XX/XXXX I contacted again to see if the process had been expedited and there was no further information other than I would either be receiving a XXXX Gift Card or a check in the mail. I explained I did not want a XXXX Gift Card, I wanted the money deposited back into my debit account or a check. XX/XX/XXXX I contacted Chrysler again because I did not receive a check or gift card on the day as promised. I spoke with a supervisor again and he informed me that the XXXX Gift Card was sent out that day. Today is XX/XX/XXXX and I still do not have a XXXX gift card. The supervisor told me that I was to receive a XXXX Gift card since the refund was under {$500.00}. I expressed that the refund should be in the amount of {$730.00} because it was 2 payments that Chrysler accepted after my lease was up! The supervisor said they only had notes of 1 payment. I explained that that was incorrect and that I had faxed all documents needed to expedite the process for my full refund. The supervisor said hewould send the message along to the finance department and they would be contacting me within 24-48 hours. Well it has been the 48 hours and still nothing, no refund, no call, no XX/XX/XXXX Gift Card.
Company Response:
State: PA
Zip: 15068
Submitted Via: Web
Date Sent: 2017-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-04
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I am currently financed under Santander Consumer USA, recommended by XXXX. I signed up for Auto pay which required me to put in my account and routing number. I later found out that the account number was entered incorrectly which put me in a past due payment because they sent the payment back. I was never notified that the information was incorrect until 15 days after the payment was to be sent. They notified me that I can pay though XXXX XXXX for a fee. That is not very secure for a " financial institution ''. I have to wait 6 months before my auto pay will be active again. This now requires that I have my bank send a check to a XXXX XXXXx . There is no guarantee from the company that this has been received. I also never informed that if my information is incorrect that I can not change it and that it would take 6 months before I can correct it. This company is not very reputable and not very helpful. They use a third party for their financing.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2017-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-04
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit was n't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, there interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase to our loan, which should be decreased as we make our payments that even thou our loan is due the XXXX of every month because they receive it from our bank on the XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until i saw this on our credit report, so i called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape XXXX XX/XX/XXXXmiles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there is no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I ca n't believe we are not the only ones Massachusetts and Delaware just won a huge settlement against them there are people here in Florida posting online begging for help and do n't know who to go to, please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2017-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I summited a dispute through XXXX XXXX, on XXXX XXXX, 2017, and also with XXXX XXXX. SANTANDER is reporting 30 days past due every month, on my reports. Which is making my credit look bad, I 'm really trying to build my credit!!
Company Response:
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2017-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a new vehicle in XX/XX/XXXX. My first payment was due XX/XX/XXXX. I did not receive any information regarding where to pay may bill until a week before the payment was due. I attempted to log into my account multiple times, but the company 's website continually states " We could not locate your account. Your information does not match our records. '' The message goes on to give a toll-free phone number and the hours of operation. When I called the phone number, I would be put in, what I assumed was some kind of call queue. No one would answer the phone. I did finally get to make a payment. However, the only way I could make the payment was to pay {$10.00} more than my agreed monthly payment and I had to make my payment via XXXX XXXX. The company did call me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but they called me while I was at work. It is my understanding of the Dodd-Frank act, that debt collectors are not permitted to call you at work. They left a phone number for me to call them, but were not and are not available outside of my working hours making it almost impossible to communicate with the company. I was able to call the company on my way to care for my elderly mother at lunch time. Since I did not have a computer to use while I was driving, the individual I spoke with told me she could not help me. She stated that I am entering incorrect information in the registration form. While I did not have my account number with the company with me at the time - I do not carry such information with me wherever I go - I did verify my social security number which is the alternative form of sign-up on their website. She state that was correct. I have attempted multiple times since then to try to get logged into my account. When I try to sign into the website, I still get the same message " We can not locate your account.... '' My next payment is due tomorrow. I attempted to log in again this evening. Again I got the error message. I have screen-shots of my attempts to log in with the messages. This company is doing its best to unfairly deceive consumers purposely making it difficult to pay their bill in an attempt to force them to use XXXX XXXX and to force customers to pay more than the agreed monthly payment.
Company Response:
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2017-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-03
Issue: Getting a loan or lease
Subissue: High-pressure sales tactics
Consumer Complaint: On XX/XX/2017 I applied for a used car loan with XXXX a division of Santander. The loan was approved ; however I did not agree with the terms of the new loan and asked for it to be withdrawn. Each day since I would receive a phone call from XXXX ( XXXX ) telling me I was approved ; I would express again that I was not interested in the loan and asked to have my application withdrawn. One XX/XX/2017 I received a call from XXXX XXXX, a representative of XXXX. He stated that my loan was approved and went over the terms again, I explained that I would be waiting a couple years to buy a car as I just finished a Chapter XXXX BK and wanted to get better terms and again asked to have my application withdrawn ; at this time XXXX XXXX become rude and aggressive. I also asked if it were possible to have the multiple inquires from XXXX and Santander removed from my credit report to which I as met with more aggressive actions of " Maybe you do n't know how credit works but when you apply for a loan the inquiries stay on your report '' and then proceeded to hang up without properly ending the call.
Company Response:
State: NJ
Zip: 08721
Submitted Via: Web
Date Sent: 2017-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-02
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a XXXX XXXX XXXX I purchased in 2012. I used my employee discount to purchased the car. When I look at the car pay off it still shows I owe XXXX dollars in pay off. This can not be right. This was a simple interest loan taken on the car at 10 % for 72 mths When I look at the payment history of the payments made, I see when I make a payment some of the money will go towards the card and some will go towards interest. For example. One month I paid XXXX dollars on the loan they put XXXX dollars to the principal and XXXX to the interest then the next month I paid XXXX dollars again. They put XXXX to the principal and XXXX to the interest the next month I paid XXXX dollars and they put XXXX to the principle and XXXX to the interest This is NOT correct there should be a certain amount each time going to the interest not jumping like that. I will never pay the car off at this point. At 5 years this car should be paid for through Santander Consumer USA if I received a 5 % discount on dealer invoice. Something does not sound correct here. They are not doing something right. Even if I deferred 3 payments I should not owe XXXX dollars left on the car in this amount of time.
Company Response:
State: TX
Zip: 75604
Submitted Via: Web
Date Sent: 2017-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: Santander charges high interest rates and daily interest charges and other fees for each day you 're late on a payment. I have paid in 2 years over {$8000.00} that has just gone to interest and nothing to the principal. The vehicle is now worth {$6000.00} and their payoff quote was for {$22000.00}. Their fees are astronomical.
Company Response:
State: FL
Zip: 32812
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-01
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: On XXXX XXXX 2017 I purchased a new vehicle through XXXX XXXX XXXX dealership in XXXX Tx. The company that financed my vehicle Santander Consumer USA never requested proof of income residence or job so with that said they approved me for a loan of XXXX that was fraudulently done by Santander and the dealership XXXX XXXX. On the actual contract there is a down payment of XXXX that i never gave down, on top of that i was never given the half off the vehicle due to severe hail damage sale they had going on. I have called the dealership numerous of times with nothing resolved. I also called Santander on X/XX/17 to advise them of the same thing. I got a call back from XXXX from the office of the president on X/XX/17 we went over what happened at the dealership and with Santander she clearly stated that the dealership was at fault and they santander do not require to verify job, residence and income they just go by the credit score. I can not understand how this finance company stays in business by going after hard working people such as i. I work two jobs now im stuck with a car that is worth maybe XXXX and what i owe is XXXX. Your assistance will be greatly appreciated
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2017-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A